December 31, 2009 • Pacific Select Fund
• Separate Account A of
Pacific Life Insurance Company

Annual

Reports

TABLE OF CONTENTS

PACIFIC SELECT FUND

Chairman’s Letter	A-1
Performance Discussion	A-3
Schedules of Investments, Financial Statements and Financial Highlights:
Pacific Select Fund (Excluding Pacific Dynamix Portfolios):
Schedules of Investments and Notes	B-1
Financial Statements:
Statements of Assets and Liabilities	C-1
Statements of Operations	C-7
Statements of Changes in Net Assets	C-13
Statements of Cash Flows	C-19
Financial Highlights	C-20
Pacific Select Fund (Pacific Dynamix Portfolios Only):
Schedules of Investments and Notes	D-1
Financial Statements:
Statements of Assets and Liabilities	E-1
Statements of Operations	E-3
Statements of Changes in Net Assets	E-5
Financial Highlights	E-6
Notes to Financial Statements	F-1
Report of Independent Registered Public Accounting Firm	G-1
Disclosure of Fund Expenses	H-1
Trustees and Officers Information	H-3
Approval of Investment Advisory Agreement and Portfolio Management Agreements	H-7
Where to Go for More Information	H-11

The 2009 Annual Report for the American Funds^® Insurance Series (“AFIS”) will be mailed separately to all Pacific Life Insurance Company and Pacific Life & Annuity Company variable life insurance policyholders and variable annuity contract owners with allocations to the American Funds Growth, American Funds Growth-Income and American Funds Asset Allocation Portfolios of the Pacific Select Fund (“PSF”). For those policyholders and contract owners, the AFIS Annual Report should be read in conjunction with the PSF Annual Report included herein.

SEPARATE ACCOUNT A
Schedule of Investments	I-1
Financial Statements:
Statements of Assets and Liabilities	J-1
Statements of Operations	J-5
Statements of Changes in Net Assets	J-8
Financial Highlights	J-17
Notes to Financial Statements	K-1
Report of Independent Registered Public Accounting Firm	L-1

The 2009 Annual reports for all underlying investment options other than Pacific Select Fund may be mailed separately to Pacific Life Insurance Company variable annuity contract owners with allocations to those options and should be read in conjunction with the Separate Account Annual Report included herein.

SEPARATE ACCOUNT A

SCHEDULE OF INVESTMENTS
DECEMBER 31, 2009
(in thousands)

Variable Accounts	Underlying Portfolios/Funds	Shares		Cost		Value
	Pacific Select Fund (Affiliated Mutual Fund)
Diversified Bond	Diversified Bond		202,207		$1,982,956		$1,929,704
Floating Rate Loan	Floating Rate Loan		121,885		1,068,518		892,666
High Yield Bond	High Yield Bond		157,328		908,496		953,672
Inflation Managed	Inflation Managed		349,997		3,807,440		3,872,624
Managed Bond	Managed Bond		359,399		3,871,381		3,984,210
Money Market	Money Market		57,890		582,890		584,194
Short Duration Bond	Short Duration Bond		141,311		1,340,647		1,310,888
American Funds® Growth	American Funds Growth		114,734		964,134		816,574
American Funds Growth-Income	American Funds Growth-Income		161,376		1,599,229		1,357,055
Comstock	Comstock		257,136		2,232,323		1,941,749
Diversified Research	Diversified Research		46,900		429,841		415,638
Equity	Equity		5,649		84,323		84,952
Equity Index	Equity Index		121,440		2,707,299		2,961,234
Focused 30	Focused 30		10,935		70,593		123,813
Growth LT	Growth LT		69,717		1,175,197		1,257,956
Large-Cap Growth	Large-Cap Growth		232,231		1,179,009		1,200,947
Large-Cap Value	Large-Cap Value		283,251		2,956,972		2,974,838
Long/Short Large-Cap	Long/Short Large-Cap		166,691		1,417,700		1,383,603
Main Street® Core	Main Street Core		64,217		1,125,707		1,081,023
Mid-Cap Equity	Mid-Cap Equity		139,570		1,647,570		1,678,484
Mid-Cap Growth	Mid-Cap Growth		140,043		945,871		1,054,952
Mid-Cap Value (1)	Mid-Cap Value		84,444		840,177		1,007,131
Small-Cap Equity	Small-Cap Equity		55,058		668,571		657,717
Small-Cap Growth	Small-Cap Growth		56,536		509,004		532,145
Small-Cap Index	Small-Cap Index		22,894		192,039		211,412
Small-Cap Value	Small-Cap Value		51,640		533,421		575,624
Emerging Markets	Emerging Markets		107,663		1,134,475		1,464,278
International Large-Cap	International Large-Cap		376,864		2,289,206		2,289,259
International Small-Cap	International Small-Cap		118,522		999,844		822,996
International Value	International Value		162,810		1,754,895		1,782,268
Health Sciences	Health Sciences		6,761		50,514		63,410
Real Estate	Real Estate		44,224		508,475		499,822
Technology	Technology		13,617		44,861		61,960
American Funds Asset Allocation (1)	American Funds Asset Allocation		10,375		116,427		132,415
Multi-Strategy	Multi-Strategy		8,704		113,503		92,771
Pacific Dynamix — Conservative Growth (1)	Pacific Dynamix - Conservative Growth		2,675		28,908		29,942
Pacific Dynamix — Moderate Growth (1)	Pacific Dynamix - Moderate Growth		4,833		53,369		56,894
Pacific Dynamix — Growth (1)	Pacific Dynamix - Growth		3,399		37,618		41,132
	AIM Variable Insurance Funds
AIM V.I. PowerShares ETF Allocation Series II (1)	AIM V.I. PowerShares ETF Allocation Series II		2,472		31,157		33,766
	AllianceBernstein Variable Products Series Fund, Inc.
AllianceBernstein VPS Balanced Wealth	AllianceBernstein VPS Balanced Wealth
Strategy Class B	Strategy Class B		10,455		93,565		110,618
	BlackRock Variable Series Funds, Inc.
BlackRock Global Allocation V.I. Class III	BlackRock Global Allocation V.I. Class III		114,068		1,405,223		1,530,789
	Franklin Templeton Variable Insurance Products Trust
Franklin Templeton VIP Founding Funds	Franklin Templeton VIP Founding Funds
Allocation Class 4	Allocation Class 4		30,669		192,393		218,978
	GE Investments Funds, Inc.
GE Investments Total Return Class 3 (1)	GE Investments Total Return Class 3		3,976		59,941		60,239
	Van Kampen Life Investment Trust
Van Kampen LIT Global Tactical Asset	Van Kampen LIT Global Tactical Asset
Allocation Class II (1)	Allocation Class II		7,015		80,887		84,881

See Notes to Financial Statements See explanation of references on page I-2

I-1

SEPARATE ACCOUNT A
SCHEDULE OF INVESTMENTS (Continued)
DECEMBER 31, 2009
(in thousands)

Variable Accounts	Underlying Portfolios/Funds	Shares		Cost		Value
	Prudential Series Fund, Inc.
Jennison	Jennison (Class II)		20		$236		$401
Value	Value (Class II)		25		339		374
SP International Growth	SP International Growth (Class II)		80		313		363
SP Prudential U.S. Emerging Growth	SP Prudential U.S. Emerging Growth (Class II)		42		263		264
	JPMorgan Insurance Trust
JPMorgan Insurance Trust Core Bond	JPMorgan Insurance Trust Core Bond		99		1,053		1,084
JPMorgan Insurance Trust Equity Index	JPMorgan Insurance Trust Equity Index		31		286		301
JPMorgan Insurance Trust U.S. Equity (2)	JPMorgan Insurance Trust U.S. Equity (2)		3,612		60,701		50,316
JPMorgan Insurance Trust Mid Cap Value (3)	JPMorgan Insurance Trust Mid Cap Value (3)		27		240		151
JPMorgan Insurance Trust Intrepid Growth	JPMorgan Insurance Trust Intrepid Growth		9		105		119
JPMorgan Insurance Trust Diversified Mid Cap Growth	JPMorgan Insurance Trust Diversified Mid Cap Growth		8		125		104

(1)	Operations commenced during 2009 (See Note 1 in Notes to Financial Statements).
(2)	Formerly named JPMorgan Insurance Trust Diversified Equity Variable Account and JPMorgan Insurance Trust Diversified Equity Portfolio.
(3)	Formerly named JPMorgan Insurance Trust Diversified Mid Cap Value Variable Account and JPMorgan Insurance Trust Diversified Mid Cap Value Portfolio.

American Funds is a registered trademark of American Funds Distributors, Inc., and Main Street is a registered trademark of OppenheimerFunds, Inc.

See Notes to Financial Statements

I-2

SEPARATE ACCOUNT A

STATEMENTS OF ASSETS AND LIABILITIES
DECEMBER 31, 2009
(in thousands, except accumulation unit values)

	Variable Accounts
		Diversified	Floating	High Yield	Inflation	Managed	Money	Short Duration
		Bond	Rate Loan	Bond	Managed	Bond	Market	Bond
ASSETS
Investments in affiliated mutual funds, at value		$1,929,704	$892,666	$953,672	$3,872,624	$3,984,210	$584,194	$1,310,888
Receivables:
Due from Pacific Life Insurance Company		—	—	—	220	—	446	—
Fund shares redeemed		114	120	440	—	413	—	195
Total Assets		1,929,818	892,786	954,112	3,872,844	3,984,623	584,640	1,311,083
LIABILITIES
Payables:
Due to Pacific Life Insurance Company		114	120	438	—	413	—	176
Fund shares purchased		—	—	—	220	—	446	—
Other		212	95	—	282	266	168	—
Total Liabilities		326	215	438	502	679	614	176
NET ASSETS		$1,929,492	$892,571	$953,674	$3,872,342	$3,983,944	$584,026	$1,310,907
NET ASSETS CONSIST OF:
Accumulation units		$1,929,130	$892,395	$953,371	$3,871,219	$3,982,873	$583,500	$1,310,441
Contracts in payout (annuitization) period		362	176	303	1,123	1,071	526	466
NET ASSETS		$1,929,492	$892,571	$953,674	$3,872,342	$3,983,944	$584,026	$1,310,907
Units Outstanding		182,769	107,641	66,629	238,792	231,242	49,269	124,976
Accumulation Unit Value		$10.25 - $11.05	$8.18 - $9.13	$10.46 - $16.41	$10.15 - $19.57	$11.16 - $20.82	$9.83 - $13.25	$10.02 - $11.35
Cost of Investments		$1,982,956	$1,068,518	$908,496	$3,807,440	$3,871,381	$582,890	$1,340,647
		American Funds	American Funds		Diversified		Equity	Focused
		Growth	Growth-Income	Comstock	Research	Equity	Index	30
ASSETS
Investments in affiliated mutual funds, at value		$816,574	$1,357,055	$1,941,749	$415,638	$84,952	$2,961,234	$123,813
Receivables:
Due from Pacific Life Insurance Company		5	—	—	—	—	—	—
Fund shares redeemed		—	69	186	100	31	51	86
Total Assets		816,579	1,357,124	1,941,935	415,738	84,983	2,961,285	123,899
LIABILITIES
Payables:
Due to Pacific Life Insurance Company		—	69	186	100	31	51	86
Fund shares purchased		5	—	—	—	—	—	—
Other		18	100	156	5	7	326	8
Total Liabilities		23	169	342	105	38	377	94
NET ASSETS		$816,556	$1,356,955	$1,941,593	$415,633	$84,945	$2,960,908	$123,805
NET ASSETS CONSIST OF:
Accumulation units		$816,421	$1,356,660	$1,941,285	$415,536	$84,811	$2,960,394	$123,785
Contracts in payout (annuitization) period		135	295	308	97	134	514	20
NET ASSETS		$816,556	$1,356,955	$1,941,593	$415,633	$84,945	$2,960,908	$123,805
Units Outstanding		79,831	140,391	218,605	42,956	7,356	240,021	10,266
Accumulation Unit Value		$7.81 - $11.19	$7.98 - $10.48	$7.42 - $10.23	$7.71 - $10.17	$7.88 - $12.33	$7.85 - $18.17	$7.28 - 17.59
Cost of Investments		$964,134	$1,599,229	$2,232,323	$429,841	$84,323	$2,707,299	$70,593

See Notes to Financial Statements

J-1

SEPARATE ACCOUNT A
STATEMENTS OF ASSETS AND LIABILITIES (Continued)
DECEMBER 31, 2009
(in thousands, except accumulation unit values)

	Variable Accounts
	Growth		Large-Cap		Large-Cap		Long/Short		Main Street		Mid-Cap		Mid-Cap
	LT		Growth		Value		Large-Cap		Core		Equity		Growth
ASSETS
Investments in affiliated mutual funds, at value		$1,257,956		$1,200,947		$2,974,838		$1,383,603		$1,081,023		$1,678,484		$1,054,952
Receivables:
Due from Pacific Life Insurance Company		381		—		—		—		87		—		178
Fund shares redeemed		—		286		460		92		—		514		—
Total Assets		1,258,337		1,201,233		2,975,298		1,383,695		1,081,110		1,678,998		1,055,130
LIABILITIES
Payables:
Due to Pacific Life Insurance Company		—		286		460		92		—		514		—
Fund shares purchased		381		—		—		—		87		—		178
Other		78		25		158		173		32		52		109
Total Liabilities		459		311		618		265		119		566		287
NET ASSETS		$1,257,878		$1,200,922		$2,974,680		$1,383,430		$1,080,991		$1,678,432		$1,054,843
NET ASSETS CONSIST OF:
Accumulation units		$1,257,561		$1,200,719		$2,974,076		$1,383,238		$1,080,625		$1,677,989		$1,054,708
Contracts in payout (annuitization) period		317		203		604		192		366		443		135
NET ASSETS		$1,257,878		$1,200,922		$2,974,680		$1,383,430		$1,080,991		$1,678,432		$1,054,843
Units Outstanding		91,175		188,272		279,552		168,564		97,764		114,079		121,699
Accumulation Unit Value		$8.22 - $21.61		$5.66 - $8.82	$	7.84 - $12.24	$	8.06 - $8.36	$	7.77 - $14.99	$	7.69 - $18.40	$	7.56 - $10.81
Cost of Investments		$1,175,197		$1,179,009		$2,956,972		$1,417,700		$1,125,707		$1,647,570		$945,871
	Mid-Cap		Small-Cap		Small-Cap		Small-Cap		Small-Cap		Emerging		International
	Value		Equity		Growth		Index		Value		Markets		Large-Cap
ASSETS
Investments in affiliated mutual funds, at value		$1,007,131		$657,717		$532,145		$211,412		$575,624		$1,464,278		$2,289,259
Receivables:
Due from Pacific Life Insurance Company		39		—				—		—		—		—
Fund shares redeemed		—		109		78		170		35		797		524
Total Assets		1,007,170		657,826		532,223		211,582		575,659		1,465,075		2,289,783
LIABILITIES
Payables:
Due to Pacific Life Insurance Company		—		109		78		154		35		241		524
Fund shares purchased		39		—		—		—		—		—		—
Other		123		82		36		—		15		—		24
Total Liabilities		162		191		114		154		50		241		548
NET ASSETS		$1,007,008		$657,635		$532,109		$211,428		$575,609		$1,464,834		$2,289,235
NET ASSETS CONSIST OF:
Accumulation units		$1,006,875		$657,568		$531,970		$211,289		$575,441		$1,464,508		$2,288,808
Contracts in payout (annuitization) period		133		67		139		139		168		326		427
NET ASSETS		$1,007,008		$657,635		$532,109		$211,428		$575,609		$1,464,834		$2,289,235
Units Outstanding		76,857		52,736		52,672		16,143		35,478		55,794		213,871
Accumulation Unit Value	$	13.06 - $13.20	$	9.32 - $13.71	$	8.47 - $11.08	$	7.65 - $13.69	$	8.65 - $19.70	$	9.44 - $46.39	$	8.40 - $15.53
Cost of Investments		$840,177		$668,571		$509,004		$192,039		$533,421		$1,134,475		$2,289,206

See Notes to Financial Statements

J-2

SEPARATE ACCOUNT A
STATEMENTS OF ASSETS AND LIABILITIES (Continued)
DECEMBER 31, 2009
(in thousands, except accumulation unit values)

	Variable Accounts
		International	International	Health	Real		American Funds	Multi-
		Small-Cap	Value	Sciences	Estate	Technology	Asset Allocation	Strategy
ASSETS
Investments in affiliated mutual funds, at value		$822,996	$1,782,268	$63,410	$499,822	$61,960	$132,415	$92,771
Receivables:
Due from Pacific Life Insurance Company		80	139	—	—	57	960	—
Fund shares redeemed		—	—	92	245	—	—	71
Total Assets		823,076	1,782,407	63,502	500,067	62,017	133,375	92,842
LIABILITIES
Payables:
Due to Pacific Life Insurance Company		—	—	92	245	—	—	71
Fund shares purchased		80	84	—	—	57	960	—
Other		84	—	2	21	5	7	7
Total Liabilities		164	84	94	266	62	967	78
NET ASSETS		$822,912	$1,782,323	$63,408	$499,801	$61,955	$132,408	$92,764
NET ASSETS CONSIST OF:
Accumulation units		$822,812	$1,781,907	$63,389	$499,568	$61,946	$132,408	$92,542
Contracts in payout (annuitization) period		100	416	19	233	9	—	222
NET ASSETS		$822,912	$1,782,323	$63,408	$499,801	$61,955	$132,408	$92,764
Units Outstanding		119,004	173,369	5,318	28,624	10,200	10,338	7,781
Accumulation Unit Value		$6.69 - $7.74	$6.63 - 12.11	$9.49 - $13.99	$5.84 - $25.01	$4.83 - $9.97	$12.75 - $12.93	$6.69 - $13.35
Cost of Investments		$999,844	$1,754,895	$50,514	$508,475	$44,861	$116,427	$113,503
								Franklin
		Pacific	Pacific		AIM V.I.	AllianceBernstein		Templeton VIP
		Dynamix -	Dynamix -	Pacific	PowerShares	VPS Balanced	BlackRock	Founding Funds
		Conservative	Moderate	Dynamix -	ETF Allocation	Wealth Strategy	Global Allocation	Allocation
		Growth	Growth	Growth	Series II	Class B	V.I. Class III	Class 4
ASSETS
Investments in affiliated mutual funds, at value		$29,942	$56,894	$41,132	$—	$—	$—	$—
Investments in mutual funds, at value		—	—	—	33,766	110,618	1,530,789	218,978
Receivables:
Due from Pacific Life Insurance Company		27	245	50	11	29	1,123	417
Total Assets		29,969	57,139	41,182	33,777	110,647	1,531,912	219,395
LIABILITIES
Payables:
Fund shares purchased		27	245	50	11	29	1,123	417
Other		2	3	2	2	6	95	12
Total Liabilities		29	248	52	13	35	1,218	429
NET ASSETS		$29,940	$56,891	$41,130	$33,764	$110,612	$1,530,694	$218,966
NET ASSETS CONSIST OF:
Accumulation units		$29,940	$56,891	$41,130	$33,764	$110,612	$1,530,690	$218,966
Contracts in payout (annuitization) period		—	—	—	—	—	4	—
NET ASSETS		$29,940	$56,891	$41,130	$33,764	$110,612	$1,530,694	$218,966
Units Outstanding		2,645	4,804	3,340	2,533	12,781	162,804	25,921
Accumulation Unit Value		$11.27 - $11.39	$11.80 - $11.93	$12.27 - $12.40	$13.27 - $13.47	$8.57 - $8.82	$9.30 - $9.58	$8.36 - $8.61
Cost of Investments		$28,908	$53,369	$37,618	$31,157	$93,565	$1,405,223	$192,393

See Notes to Financial Statements

J-3

SEPARATE ACCOUNT A
STATEMENTS OF ASSETS AND LIABILITIES (Continued)
DECEMBER 31, 2009
(in thousands, except accumulation unit values)

	Variable Accounts
			Van Kampen
	GE		LIT Global
	Investments		Tactical						SP		SP Prudential		JPMorgan
	Total Return		Asset Allocation						International		U.S. Emerging		Insurance Trust
	Class 3		Class II		Jennison		Value		Growth		Growth		Core Bond
ASSETS
Investments in mutual funds, at value		$60,239		$84,881		$401		$374		$363		$264		$1,084
Receivables:
Due from Pacific Life Insurance Company		149		—		—		—		—		—		27
Fund shares redeemed		—		20		—		—		—		—		—
Total Assets		60,388		84,901		401		374		363		264		1,111
LIABILITIES
Payables:
Due to Pacific Life Insurance Company		—		20		—		—		—		—		—
Fund shares purchased		149		—		—		—		—		—		—
Other		7		5		—		—		—		—		—
Total Liabilities		156		25		—		—		—		—		—
NET ASSETS		$60,232		$84,876		$401		$374		$363		$264		$1,111
NET ASSETS CONSIST OF:
Accumulation units		$60,232		$84,876		$401		$374		$363		$264		$1,110
Contracts in payout (annuitization) period		—		—		—		—		—		—		1
NET ASSETS		$60,232		$84,876		$401		$374		$363		$264		$1,111
Units Outstanding		4,816		6,740		38		31		30		18		91
Accumulation Unit Value	$	12.44 - $12.62	$	12.54 - $12.73	$	10.53 - $10.84	$	11.94 - $12.29	$	12.18 - $12.54	$	14.45 - $14.88	$	12.09 - $12.22
Cost of Investments		$59,941		$80,887		$236		$339		$313		$263		$1,053
							JPMorgan		JPMorgan
	JPMorgan		JPMorgan		JPMorgan		Insurance Trust		Insurance Trust
	Insurance Trust		Insurance Trust		Insurance Trust		Intrepid		Diversified
	Equity Index		U.S. Equity(1)		Mid Cap Value(2)		Growth		Mid Cap Growth
ASSETS
Investments in mutual funds, at value		$301		$50,316		$151		$119		$104
Receivables:
Due from Pacific Life Insurance Company		—		—		14		9		—
Fund shares redeemed		—		7		—		—		—
Total Assets		301		50,323		165		128		104
LIABILITIES
Payables:
Due to Pacific Life Insurance Company		—		7		—		—		—
Other		—		7		—		—		—
Total Liabilities		—		14		—		—		—
NET ASSETS		$301		$50,309		$165		$128		$104
NET ASSETS CONSIST OF:
Accumulation units		$301		$50,309		$165		$127		$104
Contracts in payout (annuitization) period		—		—		—		1		—
NET ASSETS		$301		$50,309		$165		$128		$104
Units Outstanding		30		4,475		15		13		9
Accumulation Unit Value		$9.88 - $9.99		$11.13 - $11.26		$10.84 - $10.96		$9.70 - $9.81		$11.46 - 11.59
Cost of Investments		$286		$60,701		$240		$105		$125

(1)	Formerly named JPMorgan Insurance Trust Diversified Equity Variable Account.
(2)	Formerly named JPMorgan Insurance Trust Diversified Mid Cap Value Variable Account.
See Notes to Financial Statements

J-4

SEPARATE ACCOUNT A

STATEMENTS OF OPERATIONS

FOR THE YEAR ENDED DECEMBER 31, 2009

(in thousands)

	Variable Accounts
	Diversified			Floating			High Yield			Inflation			Managed			Money			Short Duration
	Bond			Rate Loan			Bond			Managed			Bond			Market			Bond
INVESTMENT INCOME
Dividends from affiliated mutual fund investments		$64,051			$36,812			$64,431			$145,623			$244,318			$1,838			$38,151
EXPENSES
Mortality and expense risk, administrative and other fees		27,343			11,793			11,512			55,759			56,260			12,273			20,116
Net Investment Income (Loss)		36,708			25,019			52,919			89,864			188,058			(10,435	)		18,035
REALIZED GAIN (LOSS) ON INVESTMENTS
Realized loss on sale of affiliated mutual fund investments		(35,276	)		(25,658	)		(26,027	)		(70,942	)		(12,794)			(734	)		(36,255	)
Capital gain distributions from affiliated mutual fund investments		—			—			—			143,150			241,679			—			—
Realized Gain (Loss)		(35,276	)		(25,658	)		(26,027	)		72,208			228,885			(734	)		(36,255	)
CHANGE IN UNREALIZED APPRECIATION ON AFFILIATED MUTUAL FUND INVESTMENTS		205,021			152,667			212,472			462,073			218,344			632			103,383
NET INCREASE (DECREASE) IN NET ASSETS RESULTING FROM OPERATIONS		$206,453			$152,028			$239,364			$624,145			$635,287			($10,537	)		$85,163
	American Funds			American Funds						Diversified						Equity			Focused
	Growth			Growth-Income			Comstock			Research			Equity			Index			30
INVESTMENT INCOME
Dividends from affiliated mutual fund investments		$867			$14,290			$23,488			$6,268			$707			$44,699			$—
EXPENSES
Mortality and expense risk, administrative and other fees		12,928			17,613			24,371			6,799			1,144			32,726			2,630
Net Investment Income (Loss)		(12,061	)		(3,323	)		(883	)		(531	)		(437	)		11,973			(2,630	)
REALIZED GAIN (LOSS) ON INVESTMENTS
Realized loss on sale of affiliated mutual fund investments		(417,350	)		(61,740	)		(88,395	)		(194,665	)		(7,516	)		(84,682	)		(167,457	)
Capital gain distributions from affiliated mutual fund investments		174,696			120,675			—			—			—			—			—
Realized Gain (Loss)		(242,654	)		58,935			(88,395	)		(194,665	)		(7,516	)		(84,682	)		(167,457	)
CHANGE IN UNREALIZED APPRECIATION ON AFFILIATED MUTUAL FUND INVESTMENTS		507,469			247,488			514,459			294,828			30,053			693,823			236,297
NET INCREASE IN NET ASSETS RESULTING FROM OPERATIONS		$252,754			$303,100			$425,181			$99,632			$22,100			$621,114			$66,210
	Growth			Large-Cap			Large-Cap			Long/Short			Main Street			Mid-Cap			Mid-Cap
	LT			Growth			Value			Large-Cap			Core			Equity			Growth
INVESTMENT INCOME
Dividends from affiliated mutual fund investments		$11,335			$601			$53,324			$9,190			$14,571			$16,712			$2,989
EXPENSES
Mortality and expense risk, administrative and other fees		16,160			13,097			36,561			15,997			15,958			27,348			12,423
Net Investment Income (Loss)		(4,825	)		(12,496	)		16,763			(6,807	)		(1,387	)		(10,636	)		(9,434	)
REALIZED GAIN (LOSS) ON INVESTMENTS
Realized loss on sale of affiliated mutual fund investments		(69,198	)		(48,672	)		(86,583	)		(25,023	)		(234,583	)		(1,249,405	)		(43,886	)
Capital gain distributions from affiliated mutual fund investments		—			—			—			—			—			—			1,305
Realized Loss		(69,198	)		(48,672	)		(86,583	)		(25,023	)		(234,583	)		(1,249,405	)		(42,581	)
CHANGE IN UNREALIZED APPRECIATION ON AFFILIATED MUTUAL FUND INVESTMENTS		404,604			378,987			629,456			322,778			480,519			1,773,431			420,567
NET INCREASE IN NET ASSETS RESULTING FROM OPERATIONS		$330,581			$317,819			$559,636			$290,948			$244,549			$513,390			$368,552

See Notes to Financial Statements

J-5

SEPARATE ACCOUNT A
STATEMENTS OF OPERATIONS (Continued)
FOR THE YEAR ENDED DECEMBER 31, 2009
(in thousands)

	Variable Accounts
	Mid-Cap			Small-Cap			Small-Cap			Small-Cap			Small-Cap			Emerging			International
	Value(1)			Equity			Growth			Index			Value			Markets			Large-Cap
INVESTMENT INCOME
Dividends from affiliated mutual fund investments		$5,755			$4,175			$—			$2,176			$12,296			$10,540			$31,280
EXPENSES
Mortality and expense risk, administrative and other fees		9,101			8,797			7,343			2,836			6,928			17,686			29,592
Net Investment Income (Loss)		(3,346	)		(4,622	)		(7,343	)		(660	)		5,368			(7,146	)		1,688
REALIZED GAIN (LOSS) ON INVESTMENTS
Realized gain (loss) on sale of affiliated mutual fund investments		3,199			(34,190	)		(127,659	)		(12,820	)		(34,865	)		(100,546	)		(167,347	)
Capital gain distributions from affiliated mutual fund investments		73,509			—			—			12,350			—			187,273			—
Realized Gain (Loss)		76,708			(34,190	)		(127,659	)		(470	)		(34,865	)		86,727			(167,347	)
CHANGE IN UNREALIZED APPRECIATION ON AFFILIATED MUTUAL FUND INVESTMENTS		166,954			183,371			313,553			44,838			147,336			613,149			728,789
NET INCREASE IN NET ASSETS RESULTING FROM OPERATIONS		$240,316			$144,559			$178,551			$43,708			$117,839			$692,730			$563,130
	International			International			Health			Real						American Funds			Multi-
	Small-Cap			Value			Sciences			Estate			Technology			Asset Allocation(1)			Strategy
INVESTMENT INCOME
Dividends from affiliated mutual fund investments		$10,029			$35,557			$68			$8,297			$—			$2,217			$5,030
EXPENSES
Mortality and expense risk, administrative and other fees		10,432			26,104			903			5,926			714			954			1,351
Net Investment Income (Loss)		(403	)		9,453			(835	)		2,371			(714	)		1,263			3,679
REALIZED GAIN (LOSS) ON INVESTMENTS
Realized loss on sale of affiliated mutual fund investments		(51,851	)		(812,250	)		(2,163	)		(36,411	)		(678	)		(796	)		(14,865	)
Capital gain distributions from affiliated mutual fund investments		—			—			—			3,759			—			—			—
Realized Loss		(51,851	)		(812,250	)		(2,163	)		(32,652	)		(678	)		(796	)		(14,865	)
CHANGE IN UNREALIZED APPRECIATION ON AFFILIATED MUTUAL FUND INVESTMENTS		245,083			1,170,812			15,519			155,608			19,783			15,988			27,869
NET INCREASE IN NET ASSETS RESULTING FROM OPERATIONS		$192,829			$368,015			$12,521			$125,327			$18,391			$16,455			$16,683
	Pacific			Pacific
	Dynamix -			Dynamix -			Pacific
	Conservative			Moderate			Dynamix -
	Growth(1)			Growth(1)			Growth(1)
INVESTMENT INCOME
Dividends from affiliated mutual fund investments		$322			$534			$277
EXPENSES
Mortality and expense risk, administrative and other fees		143			304			239
Net Investment Gain		179			230			38
REALIZED GAIN (LOSS) ON INVESTMENTS
Realized loss on sale of affiliated mutual fund investments		(11	)		(30	)		(124	)
Capital gain distributions from affiliated mutual fund investments		289			365			831
Realized Gain		278			335			707
CHANGE IN UNREALIZED APPRECIATION ON AFFILIATED MUTUAL FUND INVESTMENTS		1,034			3,525			3,515
NET INCREASE IN NET ASSETS RESULTING FROM OPERATIONS		$1,491			$4,090			$4,260

(1) Operations commenced during 2009 (See Note 1 in Notes to Financial Statements).

See Notes to Financial Statements

J-6

SEPARATE ACCOUNT A
STATEMENTS OF OPERATIONS (Continued)
FOR THE YEAR ENDED DECEMBER 31, 2009
(in thousands)

	Variable Accounts
										Franklin						Van Kampen
	AIM V.I.			AllianceBernstein						Templeton VIP			GE			LIT Global
	PowerShares			VPS Balanced			BlackRock			Founding Funds			Investments			Tactical
	ETF Allocation			Wealth Strategy			Global Allocation			Allocation			Total Return			Asset Allocation
	Series II(1)			Class B			V.I. Class III			Class 4			Class 3(1)			Class II(1)
INVESTMENT INCOME
Dividends from mutual fund investments		$333			$740			$25,682			$4,952			$778			$1,492
EXPENSES
Mortality and expense risk, administrative and other fees		184			1,263			18,156			2,509			317			525
Net Investment Income (Loss)		149			(523	)		7,526			2,443			461			967
REALIZED GAIN (LOSS) ON INVESTMENTS
Realized gain (loss) on sale of mutual fund investments		(36	)		(3,438	)		(17,877	)		(9,379	)		4,219			(122	)
Capital gain distributions from mutual fund investments		62			—			—			—			—			2,957
Realized Gain (Loss)		26			(3,438	)		(17,877	)		(9,379	)		4,219			2,835
CHANGE IN UNREALIZED APPRECIATION ON MUTUAL FUND INVESTMENTS		2,609			23,586			246,687			53,883			298			3,994
NET INCREASE IN NET ASSETS RESULTING FROM OPERATIONS		$2,784			$19,625			$236,336			$46,947			$4,978			$7,796
							SP			SP Prudential			JPMorgan			JPMorgan
							International			U.S. Emerging			Insurance Trust			Insurance Trust
	Jennison			Value			Growth			Growth			Core Bond			Equity Index
INVESTMENT INCOME
Dividends from mutual fund investments		$1			$6			$4			$1			$89			$5
EXPENSES
Mortality and expense risk, administrative and other fees		6			6			5			4			15			3
Net Investment Income (Loss)		(5	)		—			(1	)		(3	)		74			2
REALIZED GAIN (LOSS) ON INVESTMENTS
Realized gain (loss) on sale of mutual fund investments		14			(15	)		(16	)		(3	)		(2	)		(26	)
Capital gain distributions from mutual fund investments		—			—			—			—			—			—
Realized Gain(Loss)		14			(15	)		(16	)		(3	)		(2	)		(26	)
CHANGE IN UNREALIZED APPRECIATION ON MUTUAL FUND INVESTMENTS		113			138			119			82			11			74
NET INCREASE IN NET ASSETS RESULTING FROM OPERATIONS		$122			$123			$102			$76			$83			$50
							JPMorgan			JPMorgan
	JPMorgan			JPMorgan			Insurance Trust			Insurance Trust
	Insurance Trust			Insurance Trust			Intrepid			Diversified
	U.S. Equity(2)			Mid Cap Value(3)			Growth			Mid Cap Growth
INVESTMENT INCOME
Dividends from mutual fund investments		$1,664			$3			$1			$—
EXPENSES
Mortality and expense risk, administrative and other fees		689			2			2			1
Net Investment Income (Loss)		975			1			(1	)		(1	)
REALIZED GAIN (LOSS) ON INVESTMENTS
Realized loss on sale of mutual fund investments		(14,051	)		(33	)		(4	)		(9	)
Capital gain distributions from mutual fund investments		—			—			—			—
Realized Loss		(14,051	)		(33	)		(4	)		(9	)
CHANGE IN UNREALIZED APPRECIATION ON MUTUAL FUND INVESTMENTS		25,548			63			33			44
NET INCREASE IN NET ASSETS RESULTING FROM OPERATIONS		$12,472			$31			$28			$34

(1)	Operations commenced during 2009 (See Note 1 in Notes to Financial Statements).
(2)	Formerly named JPMorgan Insurance Trust Diversified Equity Variable Account.
(3)	Formerly named JPMorgan Insurance Trust Diversified Mid Cap Value Variable Account.
See Notes to Financial Statements

J-7

SEPARATE ACCOUNT A

STATEMENTS OF CHANGES IN NET ASSETS

(in thousands)

	Variable Accounts
	Year Ended			Year Ended			Year Ended			Year Ended			Year Ended			Year Ended
	December 31,			December 31,			December 31,			December 31,			December 31,			December 31,
	2009			2008			2009			2008			2009			2008
	Diversified Bond						Floating Rate Loan						High Yield Bond
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income		$36,708			$44,521			$25,019			$42,013			$52,919			$42,920
Realized loss		(35,276	)		(30,688	)		(25,658	)		(10,922	)		(26,027	)		(12,695	)
Change in unrealized appreciation (depreciation) on investments		205,021			(197,745	)		152,667			(287,038	)		212,472			(185,055	)
Net Increase (Decrease) in Net Assets Resulting from Operations		206,453			(183,912	)		152,028			(255,947	)		239,364			(154,830	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		88,972			198,888			40,332			78,056			35,978			52,839
Transfers between variable and fixed accounts, net		47,293			13,839			158,084			145,389			222,237			70,539
Contract maintenance charges		(29,359	)		(27,088	)		(12,847	)		(11,531	)		(12,609	)		(10,553	)
Contract benefits and terminations		(133,908	)		(153,169	)		(61,200	)		(66,367	)		(66,474	)		(64,843	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		2			1			1			—			2			1
Other		(29	)		7			(27	)		24			(12	)		(6	)
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		(27,029	)		32,478			124,343			145,571			179,122			47,977
NET INCREASE (DECREASE) IN NET ASSETS		179,424			(151,434	)		276,371			(110,376	)		418,486			(106,853	)
NET ASSETS
Beginning of Year		1,750,068			1,901,502			616,200			726,576			535,188			642,041
End of Year		$1,929,492			$1,750,068			$892,571			$616,200			$953,674			$535,188
	Inflation Managed						Managed Bond						Money Market
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		$89,864			$52,383			$188,058			$111,206			($10,435	)		$5,751
Realized gain (loss)		72,208			(44,803	)		228,885			23,070			(734	)		143
Change in unrealized appreciation (depreciation) on investments		462,073			(459,442	)		218,344			(262,846	)		632			106
Net Increase (Decrease) in Net Assets Resulting from Operations		624,145			(451,862	)		635,287			(128,570	)		(10,537	)		6,000
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		172,847			415,201			166,265			353,006			59,120			123,339
Transfers between variable and fixed accounts, net		(182,084	)		(244,895	)		(45,686	)		(79,866	)		(102,057	)		701,304
Contract maintenance charges		(60,951	)		(60,394	)		(61,821	)		(58,159	)		(30,130	)		(30,641	)
Contract benefits and terminations		(282,187	)		(356,442	)		(298,620	)		(358,314	)		(346,747	)		(412,533	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		9			6			6			3			1			1
Other		(38	)		33			(42	)		(42	)		62			(50	)
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		(352,404	)		(246,491	)		(239,898	)		(143,372	)		(419,751	)		381,420
NET INCREASE (DECREASE) IN NET ASSETS		271,741			(698,353	)		395,389			(271,942	)		(430,288	)		387,420
NET ASSETS
Beginning of Year		3,600,601			4,298,954			3,588,555			3,860,497			1,014,314			626,894
End of Year		$3,872,342			$3,600,601			$3,983,944			$3,588,555			$584,026			$1,014,314

See Notes to Financial Statements

J-8

SEPARATE ACCOUNT A
STATEMENTS OF CHANGES IN NET ASSETS (Continued)
(in thousands)

	Variable Accounts
	Year Ended			Year Ended			Year Ended			Year Ended			Year Ended			Year Ended
	December 31,			December 31,			December 31,			December 31,			December 31,			December 31,
	2009			2008			2009			2008			2009			2008
	Short Duration Bond						American Funds Growth						American Funds Growth-Income
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		$18,035			$34,870			($12,061	)		($12,728	)		($3,323	)		($3,252	)
Realized gain (loss)		(36,255	)		(12,703	)		(242,654	)		194,018			58,935			13,423
Change in unrealized appreciation (depreciation) on investments		103,383			(126,414	)		507,469			(998,259	)		247,488			(680,005	)
Net Increase (Decrease) in Net Assets Resulting from Operations		85,163			(104,247	)		252,754			(816,969	)		303,100			(669,834	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		65,652			152,042			48,923			165,397			59,106			182,365
Transfers between variable and fixed accounts, net		(159,269	)		119,959			(488,892	)		426,510			34,844			(232,602	)
Contract maintenance charges		(24,451	)		(22,354	)		(12,275	)		(16,135	)		(16,588	)		(17,379	)
Contract benefits and terminations		(109,190	)		(133,369	)		(54,752	)		(100,256	)		(70,269	)		(103,172	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		2			1			—			—			—			—
Other		48			(25	)		51			72			(44	)		137
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		(227,208	)		116,254			(506,945	)		475,588			7,049			(170,651	)
NET INCREASE (DECREASE) IN NET ASSETS		(142,045	)		12,007			(254,191	)		(341,381	)		310,149			(840,485	)
NET ASSETS
Beginning of Year		1,452,952			1,440,945			1,070,747			1,412,128			1,046,806			1,887,291
End of Year		$1,310,907			$1,452,952			$816,556			$1,070,747			$1,356,955			$1,046,806
	Comstock						Diversified Research						Equity
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		($883	)		$9,713			($531	)		($4,874	)		($437	)		($1,205	)
Realized gain (loss)		(88,395	)		(14,565	)		(194,665	)		138,635			(7,516	)		14,551
Change in unrealized appreciation (depreciation) on investments		514,459			(813,372	)		294,828			(538,865	)		30,053			(71,622	)
Net Increase (Decrease) in Net Assets Resulting from Operations		425,181			(818,224	)		99,632			(405,104	)		22,100			(58,276	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		74,932			236,787			20,012			106,587			2,017			1,947
Transfers between variable and fixed accounts, net		197,674			(314,925	)		(273,316	)		(346,614	)		(4,329	)		(8,127	)
Contract maintenance charges		(22,861	)		(22,719	)		(6,357	)		(11,792	)		(1,664	)		(2,100	)
Contract benefits and terminations		(96,597	)		(133,135	)		(27,999	)		(75,341	)		(6,374	)		(17,062	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		1			—			—			—			(5	)		—
Other		(57	)		169			20			99			2			5
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		153,092			(233,823	)		(287,640	)		(327,061	)		(10,353	)		(25,337	)
NET INCREASE (DECREASE) IN NET ASSETS		578,273			(1,052,047	)		(188,008	)		(732,165	)		11,747			(83,613	)
NET ASSETS
Beginning of Year		1,363,320			2,415,367			603,641			1,335,806			73,198			156,811
End of Year		$1,941,593			$1,363,320			$415,633			$603,641			$84,945			$73,198

See Notes to Financial Statements

J-9

SEPARATE ACCOUNT A
STATEMENTS OF CHANGES IN NET ASSETS (Continued)
(in thousands)

	Variable Accounts
	Year Ended			Year Ended			Year Ended			Year Ended			Year Ended			Year/Period Ended
	December 31,			December 31,			December 31,			December 31,			December 31,			December 31,
	2009			2008			2009			2008			2009			2008
	Equity Index						Focused 30						Growth LT
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		$11,973			$10,439			($2,630	)		($5,189	)		($4,825	)		($12,191	)
Realized gain (loss)		(84,682	)		45,388			(167,457	)		11,297			(69,198	)		152,530
Change in unrealized appreciation (depreciation) on investments		693,823			(730,734	)		236,297			(300,819	)		404,604			(806,493	)
Net Increase (Decrease) in Net Assets Resulting from Operations		621,114			(674,907	)		66,210			(294,711	)		330,581			(666,154	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		94,005			126,053			9,542			32,454			44,167			120,393
Transfers between variable and fixed accounts, net		1,269,999			689,929			(225,788	)		339,694			23,802			221,428
Contract maintenance charges		(33,035	)		(18,686	)		(2,352	)		(3,928	)		(17,326	)		(16,388	)
Contract benefits and terminations		(136,236	)		(112,346	)		(15,481	)		(35,534	)		(69,167	)		(110,495	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		1			—			—			—			1			1
Other		(205	)		14			18			(44	)		(27	)		48
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		1,194,529			684,964			(234,061	)		332,642			(18,550	)		214,987
NET INCREASE (DECREASE) IN NET ASSETS		1,815,643			10,057			(167,851	)		37,931			312,031			(451,167	)
NET ASSETS
Beginning of Year		1,145,265			1,135,208			291,656			253,725			945,847			1,397,014
End of Year		$2,960,908			$1,145,265			$123,805			$291,656			$1,257,878			$945,847
	Large-Cap Growth						Large-Cap Value						Long/Short Large-Cap(1)
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		($12,496	)		($10,801	)		$16,763			$6,499			($6,807	)		($3,241	)
Realized gain (loss)		(48,672	)		140,872			(86,583	)		47,771			(25,023	)		(8,404	)
Change in unrealized appreciation (depreciation) on investments		378,987			(609,429	)		629,456			(1,071,971	)		322,778			(356,875	)
Net Increase (Decrease) in Net Assets Resulting from Operations		317,819			(479,358	)		559,636			(1,017,701	)		290,948			(368,520	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		38,449			79,904			108,645			263,813			49,797			63,596
Transfers between variable and fixed accounts, net		438,395			23,474			647,969			98,570			438,959			1,028,708
Contract maintenance charges		(12,568	)		(8,136	)		(35,397	)		(29,986	)		(14,997	)		(6,712	)
Contract benefits and terminations		(55,577	)		(55,772	)		(155,626	)		(185,516	)		(62,028	)		(36,173	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		—			—			1			1			—			—
Other		(54	)		2			(90	)		79			(90	)		(58	)
Net Increase in Net Assets Derived from Contract Owner Transactions		408,645			39,472			565,502			146,961			411,641			1,049,361
NET INCREASE (DECREASE) IN NET ASSETS		726,464			(439,886	)		1,125,138			(870,740	)		702,589			680,841
NET ASSETS
Beginning of Year or Period		474,458			914,344			1,849,542			2,720,282			680,841			—
End of Year or Period		$1,200,922			$474,458			$2,974,680			$1,849,542			$1,383,430			$680,841

(1)	Operations commenced on May 2, 2008.
See Notes to Financial Statements

J-10

SEPARATE ACCOUNT A
STATEMENTS OF CHANGES IN NET ASSETS (Continued)
(in thousands)

	Variable Accounts
	Year/Period Ended			Year Ended			Year Ended			Year Ended			Year Ended			Year Ended
	December 31,			December 31,			December 31,			December 31,			December 31,			December 31,
	2009			2008			2009			2008			2009			2008
	Main Street Core						Mid-Cap Equity (1)						Mid-Cap Growth
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		($1,387	)		($2,517	)		($10,636	)		$2,790			($9,434	)		($12,556	)
Realized gain (loss)		(234,583	)		168,154			(1,249,405	)		411,621			(42,581	)		121,415
Change in unrealized appreciation (depreciation) on investments		480,519			(933,384	)		1,773,431			(1,977,830	)		420,567			(609,238	)
Net Increase (Decrease) in Net Assets Resulting from Operations		244,549			(767,747	)		513,390			(1,563,419	)		368,552			(500,379	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		49,885			194,946			86,508			404,059			35,492			98,162
Transfers between variable and fixed accounts, net		(322,115	)		(211,823	)		(1,217,706	)		(46,851	)		191,587			(299,711	)
Contract maintenance charges		(16,586	)		(22,118	)		(26,193	)		(40,087	)		(11,401	)		(10,000	)
Contract benefits and terminations		(69,303	)		(136,107	)		(117,878	)		(248,983	)		(53,417	)		(71,222	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		1			—			1			1			—			—
Other		42			130			132			263			(65	)		137
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		(358,076	)		(174,972	)		(1,275,136	)		68,402			162,196			(282,634	)
NET INCREASE (DECREASE) IN NET ASSETS		(113,527	)		(942,719	)		(761,746	)		(1,495,017	)		530,748			(783,013	)
NET ASSETS
Beginning of Year		1,194,518			2,137,237			2,440,178			3,935,195			524,095			1,307,108
End of Year		$1,080,991			$1,194,518			$1,678,432			$2,440,178			$1,054,843			$524,095
	Mid-Cap Value(2)						Small-Cap Equity						Small-Cap Growth
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment loss		($3,346	)					($4,622	)		($5,457	)		($7,343	)		($9,963	)
Realized gain (loss)		76,708						(34,190	)		277			(127,659	)		51,637
Change in unrealized appreciation (depreciation) on investments		166,954						183,371			(207,238	)		313,553			(454,349	)
Net Increase (Decrease) in Net Assets Resulting from Operations		240,316						144,559			(212,418	)		178,551			(412,675	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		26,489						26,197			69,889			22,830			77,591
Transfers between variable and fixed accounts, net		782,816						(42,927	)		346,825			(126,685	)		143,934
Contract maintenance charges		(8,299	)					(7,706	)		(6,138	)		(6,842	)		(7,379	)
Contract benefits and terminations		(34,189	)					(31,445	)		(34,911	)		(28,534	)		(47,018	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		—						—			—			—			—
Other		(125	)					(22	)		1			2			67
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		766,692						(55,903	)		375,666			(139,229	)		167,195
NET INCREASE (DECREASE) IN NET ASSETS		1,007,008						88,656			163,248			39,322			(245,480	)
NET ASSETS
Beginning of Year or Period		—						568,979			405,731			492,787			738,267
End of Year or Period		$1,007,008						$657,635			$568,979			$532,109			$492,787

(1)	Formerly named Mid-Cap Value Variable Account.
(2)	Operations commenced during 2009 (See Note 1 in Notes to Financial Statements).
See Notes to Financial Statements

J-11

SEPARATE ACCOUNT A
STATEMENTS OF CHANGES IN NET ASSETS (Continued)
(in thousands)

	Variable Accounts
	Year Ended			Year Ended			Year Ended			Year Ended			Year Ended			Year Ended
	December 31,			December 31,			December 31,			December 31,			December 31,			December 31,
	2009			2008			2009			2008			2009			2008
	Small-Cap Index						Small-Cap Value						Emerging Markets
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		($660	)		($2,456	)		$5,368			$4,376			($7,146	)		$664
Realized gain (loss)		(470	)		(9,835	)		(34,865	)		34,668			86,727			233,577
Change in unrealized appreciation (depreciation) on investments		44,838			(147,507	)		147,336			(189,859	)		613,149			(1,013,720	)
Net Increase (Decrease) in Net Assets Resulting from Operations		43,708			(159,798	)		117,839			(150,815	)		692,730			(779,479	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		4,994			50,072			21,209			44,764			52,401			151,212
Transfers between variable and fixed accounts, net		(7,278	)		(751,468	)		117,448			25,050			(56,070	)		(188,485	)
Contract maintenance charges		(2,816	)		(6,316	)		(6,329	)		(5,432	)		(15,767	)		(14,614	)
Contract benefits and terminations		(18,126	)		(49,519	)		(30,132	)		(39,162	)		(73,631	)		(104,313	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		—			—			—			—			1			1
Other		1			114			(19	)		26			288			(192	)
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		(23,225	)		(757,117	)		102,177			25,246			(92,778	)		(156,391	)
NET INCREASE (DECREASE) IN NET ASSETS		20,483			(916,915	)		220,016			(125,569	)		599,952			(935,870	)
NET ASSETS
Beginning of Year		190,945			1,107,860			355,593			481,162			864,882			1,800,752
End of Year		$211,428			$190,945			$575,609			$355,593			$1,464,834			$864,882
	International Large-Cap						International Small-Cap						International Value
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		$1,688			$16,195			($403	)		$4,884			$9,453			$41,936
Realized gain (loss)		(167,347	)		463,627			(51,851	)		(22,373	)		(812,250	)		56,274
Change in unrealized appreciation (depreciation) on investments		728,789			(1,506,420	)		245,083			(459,017	)		1,170,812			(1,768,123	)
Net Increase (Decrease) in Net Assets Resulting from Operations		563,130			(1,026,598	)		192,829			(476,506	)		368,015			(1,669,913	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		87,531			273,935			33,911			107,196			86,153			335,265
Transfers between variable and fixed accounts, net		(42,744	)		(34,851	)		93,204			5,073			(459,371	)		130,072
Contract maintenance charges		(27,244	)		(26,898	)		(9,416	)		(8,880	)		(24,827	)		(32,002	)
Contract benefits and terminations		(121,092	)		(177,494	)		(38,497	)		(50,696	)		(108,553	)		(203,511	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		1			1			—			—			1			—
Other		9			121			(24	)		103			68			143
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		(103,539	)		34,814			79,178			52,796			(506,529	)		229,967
NET INCREASE (DECREASE) IN NET ASSETS		459,591			(991,784	)		272,007			(423,710	)		(138,514	)		(1,439,946	)
NET ASSETS
Beginning of Year		1,829,644			2,821,428			550,905			974,615			1,920,837			3,360,783
End of Year		$2,289,235			$1,829,644			$822,912			$550,905			$1,782,323			$1,920,837

See Notes to Financial Statements

J-12

SEPARATE ACCOUNT A
STATEMENTS OF CHANGES IN NET ASSETS (Continued)
(in thousands)

	Variable Accounts
	Year/Period Ended			Year Ended			Year Ended			Year Ended			Year/Period Ended			Year Ended
	December 31,			December 31,			December 31,			December 31,			December 31,			December 31,
	2009			2008			2009			2008			2009			2008
	Health Sciences						Real Estate						Technology
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		($835	)		($361	)		$2,371			$11,379			($714	)		($896	)
Realized gain (loss)		(2,163	)		7,431			(32,652	)		145,603			(678	)		8,253
Change in unrealized appreciation (depreciation) on investments		15,519			(37,734	)		155,608			(388,879	)		19,783			(50,340	)
Net Increase (Decrease) in Net Assets Resulting from Operations		12,521			(30,664	)		125,327			(231,897	)		18,391			(42,983	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		2,536			3,841			16,996			68,667			3,096			2,954
Transfers between variable and fixed accounts, net		(3,696	)		(6,640	)		17,159			(218,500	)		14,252			(20,339	)
Contract maintenance charges		(1,062	)		(1,007	)		(4,984	)		(6,152	)		(403	)		(565	)
Contract benefits and terminations		(6,282	)		(11,114	)		(25,902	)		(52,109	)		(5,235	)		(8,486	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		—			—			(5	)		2			—			—
Other		(1	)		(33	)		(18	)		52			—			9
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		(8,505	)		(14,953	)		3,246			(208,040	)		11,710			(26,427	)
NET INCREASE (DECREASE) IN NET ASSETS		4,016			(45,617	)		128,573			(439,937	)		30,101			(69,410	)
NET ASSETS
Beginning of Year		59,392			105,009			371,228			811,165			31,854			101,264
End of Year		$63,408			$59,392			$499,801			$371,228			$61,955			$31,854
	American Funds												Pacific Dynamix -
	Asset Allocation(1)						Multi-Strategy						Conservative Growth(1)
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		$1,263						$3,679			($2,374	)		$179
Realized gain (loss)		(796	)					(14,865	)		11,591			278
Change in unrealized appreciation (depreciation) on investments		15,988						27,869			(98,972	)		1,034
Net Increase (Decrease) in Net Assets Resulting from Operations		16,455						16,683			(89,755	)		1,491
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		43,709						1,059			2,833			10,857
Transfers between variable and fixed accounts, net		75,494						(7,374	)		(21,142	)		18,425
Contract maintenance charges		(489	)					(2,337	)		(3,948	)		(32	)
Contract benefits and terminations		(2,734	)					(10,340	)		(27,659	)		(799	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		—						(5	)		2			—
Other		(27	)					101			16			(2	)
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		115,953						(18,896	)		(49,898	)		28,449
NET INCREASE (DECREASE) IN NET ASSETS		132,408						(2,213	)		(139,653	)		29,940
NET ASSETS
Beginning of Year or Periods		—						94,977			234,630			—
End of Year or Periods		$132,408						$92,764			$94,977			$29,940

(1) Operations commenced during 2009 (See Note 1 in Notes to Financial Statements).

See Notes to Financial Statements

J-13

SEPARATE ACCOUNT A
STATEMENTS OF CHANGES IN NET ASSETS (Continued)
(in thousands)

	Variable Accounts
	Year/Period Ended			Period Ended			Year/Period Ended			Period Ended			Year/Period Ended			Period Ended
	December 31,			December 31,			December 31,			December 31,			December 31,			December 31,
	2009			2008			2009			2008			2009			2008
	Pacific Dynamix -						Pacific Dynamix -						AIM V.I. PowerShares ETF
	Moderate Growth(1)						Growth(1)						Allocation Series II(1)
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income		$230						$38						$149
Realized gain		335						707						26
Change in unrealized appreciation on investments		3,525						3,515						2,609
Net Increase in Net Assets Resulting from Operations		4,090						4,260						2,784
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		21,254						16,748						7,792
Transfers between variable and fixed accounts, net		32,808						20,753						23,642
Contract maintenance charges		(104	)					(44	)					(35	)
Contract benefits and terminations		(1,149	)					(580	)					(415	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		—						—						—
Other		(8	)					(7	)					(4	)
Net Increase in Net Assets Derived from Contract Owner Transactions		52,801						36,870						30,980
NET INCREASE IN NET ASSETS		56,891						41,130						33,764
NET ASSETS
Beginning of Periods		—						—						—
End of Periods		$56,891						$41,130						$33,764
	AllianceBernstein VPS						BlackRock						Franklin Templeton VIP
	Balanced Wealth Strategy						Global Allocation						Founding Funds Allocation
	Class B(2)						V.I. Class III(2)						Class 4(2)
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		($523	)		$161			$7,526			$15,886			$2,443			$2,362
Realized gain (loss)		(3,438	)		(820	)		(17,877	)		(9,550	)		(9,379	)		333
Change in unrealized appreciation (depreciation) on investments		23,586			(6,533	)		246,687			(121,121	)		53,883			(27,298	)
Net Increase (Decrease) in Net Assets Resulting from Operations		19,625			(7,192	)		236,336			(114,785	)		46,947			(24,603	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		15,210			30,950			190,836			229,582			34,348			61,413
Transfers between variable and fixed accounts, net		26,605			30,213			373,785			691,601			36,489			73,963
Contract maintenance charges		(1,061	)		(66	)		(12,345	)		(1,453	)		(1,428	)		(261	)
Contract benefits and terminations		(2,927	)		(734	)		(47,298	)		(15,570	)		(6,478	)		(1,405	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		—			—			—			—			—			—
Other		(8	)		(3	)		5			—			(5	)		(14	)
Net Increase in Net Assets Derived from Contract Owner Transactions		37,819			60,360			504,983			904,160			62,926			133,696
NET INCREASE IN NET ASSETS		57,444			53,168			741,319			789,375			109,873			109,093
NET ASSETS
Beginning of Year or Period		53,168			—			789,375			—			109,093			—
End of Year or Period		$110,612			$53,168			$1,530,694			$789,375			$218,966			$109,093

(1)	Operations commenced during 2009 (See Note 1 in Notes to Financial Statements).
(2)	Operations commenced on May 1, 2008.
See Notes to Financial Statements

J-14

SEPARATE ACCOUNT A
STATEMENTS OF CHANGES IN NET ASSETS (Continued)
(in thousands)

	Variable Accounts
	Year/Period Ended			Year Ended			Year/Period Ended			Year Ended			Year Ended			Year Ended
	December 31,			December 31,			December 31,			December 31,			December 31,			December 31,
	2009			2008			2009			2008			2009			2008
	GE Investments Total						Van Kampen LIT Global
	Return Class 3(1)						Tactical Asset Allocation Class II(1)						Jennison
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		$461						$967						($5	)		($8	)
Realized gain		4,219						2,835						14			12
Change in unrealized appreciation (depreciation) on investments		298						3,994						113			(219	)
Net Increase (Decrease) in Net Assets Resulting from Operations		4,978						7,796						122			(215	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		20,060						7,873						—			—
Transfers between variable and fixed accounts, net		35,927						71,448						1			(8	)
Contract maintenance charges		(70	)					(206	)					(-	)		(-	)
Contract benefits and terminations		(658	)					(2,028	)					(42	)		(26	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		—						—						—			—
Other		(5	)					(7	)					—			1
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		55,254						77,080						(41	)		(33	)
NET INCREASE (DECREASE) IN NET ASSETS		60,232						84,876						81			(248	)
NET ASSETS
Beginning of Year or Periods		—						—						320			568
End of Year or Periods		$60,232						$84,876						$401			$320
													SP Prudential
	Value						SP International Growth						U.S. Emerging Growth
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		$—			($1	)		($1	)		($1	)		($3	)		($5	)
Realized gain (loss)		(15	)		103			(16	)		81			(3	)		40
Change in unrealized appreciation (depreciation) on investments		138			(377	)		119			(401	)		82			(160	)
Net Increase (Decrease) in Net Assets Resulting from Operations		123			(275	)		102			(321	)		76			(125	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		—			1			—			—			—			—
Transfers between variable and fixed accounts, net		(39	)		(113	)		6			(81	)		—			(19	)
Contract maintenance charges		(—	)		(41	)		(—	)		(—	)		(—	)		(—	)
Contract benefits and terminations		(45	)		(8	)		(35	)		(12	)		(10	)		(16	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		—			—			—			—			—			—
Other		1			(1	)		—			—			1			—
Net Decrease in Net Assets Derived from Contract Owner Transactions		(83	)		(162	)		(29	)		(93	)		(9	)		(35	)
NET INCREASE (DECREASE) IN NET ASSETS		40			(437	)		73			(414	)		67			(160	)
NET ASSETS
Beginning of Year		334			771			290			704			197			357
End of Year		$374			$334			$363			$290			$264			$197

(1) Operations commenced during 2009 (See Note 1 in Notes to Financial Statements).

See Notes to Financial Statements

J-15

SEPARATE ACCOUNT A
STATEMENTS OF CHANGES IN NET ASSETS (Continued)
(in thousands)

	Variable Accounts
	Year Ended			Year Ended			Year Ended			Year Ended			Year Ended			Year Ended
	December 31,			December 31,			December 31,			December 31,			December 31,			December 31,
	2009			2008			2009			2008			2009			2008
	JPMorgan Insurance Trust						JPMorgan Insurance Trust						JPMorgan Insurance Trust
	Core Bond						Equity Index						U.S. Equity(1)
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income		$74			$48			$2			$3			$975			$128
Realized gain (loss)		(2	)		(1	)		(26	)		4			(14,051	)		3,054
Change in unrealized appreciation (depreciation) on investments		11			(47	)		74			(160	)		25,548			(38,401	)
Net Increase (Decrease) in Net Assets Resulting from Operations		83			—			50			(153	)		12,472			(35,219	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		—			16			—			—			236			1,310
Transfers between variable and fixed accounts, net		142			6			25			(33	)		(16,520	)		(63,588	)
Contract maintenance charges		(30	)		(41	)		(1	)		(1	)		(992	)		(1,704	)
Contract benefits and terminations		(57	)		(177	)		(10	)		(28	)		(2,374	)		(5,841	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		—			—			—			—			—			—
Other		3			2			1			(1	)		1			18
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		58			(194	)		15			(63	)		(19,649	)		(69,805	)
NET INCREASE (DECREASE) IN NET ASSETS		141			(194	)		65			(216	)		(7,177	)		(105,024	)
NET ASSETS
Beginning of Year		970			1,164			236			452			57,486			162,510
End of Year		$1,111			$970			$301			$236			$50,309			$57,486
	JPMorgan Insurance Trust						JPMorgan Insurance Trust						JPMorgan Insurance Trust
	Mid Cap Value(2)						Intrepid Growth						Diversified Mid Cap Growth
INCREASE (DECREASE) IN NET ASSETS FROM OPERATIONS
Net investment income (loss)		$1			$—			($1	)		($1	)		($1	)		($2	)
Realized gain (loss)		(33	)		5			(4	)		(4	)		(9	)		26
Change in unrealized appreciation (depreciation) on investments		63			(90	)		33			(65	)		44			(99	)
Net Increase (Decrease) in Net Assets Resulting from Operations		31			(85	)		28			(70	)		34			(75	)
INCREASE (DECREASE) IN NET ASSETS FROM CONTRACT OWNER TRANSACTIONS
Payments received from contract owners		—			—			—			5			—			16
Transfers between variable and fixed accounts, net		(2	)		(8	)		8			26			(7	)		(22	)
Contract maintenance charges		(2	)		(1	)		(2	)		(9	)		(—	)		(13	)
Contract benefits and terminations		(11	)		(20	)		(20	)		(11	)		(11	)		(12	)
Adjustments to net assets allocated to contracts in payout (annuitization) period		—			—			—			—			—			—
Other		4			(6	)		3			(4	)		—			—
Net Increase (Decrease) in Net Assets Derived from Contract Owner Transactions		(11	)		(35	)		(11	)		7			(18	)		(31	)
NET INCREASE (DECREASE) IN NET ASSETS		20			(120	)		17			(63	)		16			(106	)
NET ASSETS
Beginning of Year		145			265			111			174			88			194
End of Year		$165			$145			$128			$111			$104			$88

(1)	Formerly named JPMorgan Insurance Trust Diversified Equity Variable Account.
(2)	Formerly named JPMorgan Insurance Trust Diversified Mid Cap Value Variable Account.
See Notes to Financial Statements

J-16

SEPARATE ACCOUNT A

FINANCIAL HIGHLIGHTS

     A summary of total units outstanding, total net assets, accumulation unit values (“AUV”), investment income ratios, and total returns for each year or period ended December 31 are presented in the table below. The expense ratios for each of the Variable Accounts are discussed in Note 3 in Notes to Financial Statements.

	At the End of Each Year or Period
	Total Units								Investment
Variable Accounts	Outstanding		Total Net Assets		AUV (1)				Income			Total Return (3)
For Each Year or Period Ended	(in 000’s)		(in $000’s)		Lowest		Highest		Ratio (2)			Lowest			Highest
Diversified Bond
2009		182,769	$	1,929,492	$	10.25	$	11.05		3.58	%		11.88	%		13.68	%
2008		186,111		1,750,068		9.10		9.72		3.91	%		(9.63	%)		(8.17	%)
2007		183,313		1,901,502		10.01		10.59		5.01	%		(0.70	%)		0.91	%
05/01/2006 - 12/31/2006		69,865		727,343		10.28		10.49		4.64	%		4.22	%		4.22	%
Floating Rate Loan
2009		107,641	$	892,571	$	8.18	$	9.13		4.77	%		21.85	%		23.81	%
2008		91,039		616,200		6.71		7.42		7.16	%		(30.68	%)		(29.56	%)
05/02/2007 - 12/31/2007		74,807		726,576		9.68		9.79		6.52	%		(3.03	%)		(2.87	%)
High Yield Bond
2009		66,629	$	953,674	$	10.46	$	16.41		8.52	%		37.11	%		39.31	%
2008		50,328		535,188		7.62		11.89		8.49	%		(23.74	%)		(22.51	%)
2007		45,260		642,041		10.00		15.50		7.59	%		0.40	%		2.03	%
2006		47,706		682,250		10.57		15.35		7.33	%		7.26	%		8.99	%
2005		53,083		707,427		11.54		14.22		7.07	%		0.35	%		1.96	%
Inflation Managed
2009		238,792	$	3,872,342	$	10.15	$	19.57		3.99	%		18.41	%		20.32	%
2008		258,506		3,600,601		8.51		16.43		2.78	%		(11.14	%)		(9.70	%)
2007		267,549		4,298,954		10.76		18.37		4.30	%		7.95	%		9.70	%
2006		198,553		3,017,318		9.96		16.92		4.04	%		(1.47	%)		0.12	%
2005		157,433		2,430,537		12.93		17.07		3.01	%		0.52	%		2.13	%
Managed Bond
2009		231,242	$	3,983,944	$	11.16	$	20.82		6.62	%		18.61	%		20.53	%
2008		242,658		3,588,555		9.41		17.45		4.42	%		(3.65	%)		(2.10	%)
2007		245,486		3,860,497		10.76		18.00		4.50	%		6.37	%		8.10	%
2006		195,054		2,937,942		10.27		16.82		4.01	%		2.74	%		4.39	%
2005		186,046		2,722,556		12.09		16.27		3.40	%		0.61	%		2.23	%
Money Market
2009		49,269	$	584,026	$	9.83	$	13.25		0.23	%		(1.81	%)		(0.23	%)
2008		84,229		1,014,314		10.00		13.41		2.26	%		0.33	%		1.95	%
2007		51,227		626,894		10.32		13.29		4.84	%		2.90	%		4.57	%
2006		54,709		653,993		10.12		12.84		4.60	%		2.62	%		4.27	%
2005		47,882		552,496		9.89		12.43		2.77	%		0.79	%		2.41	%
Short Duration Bond
2009		124,976	$	1,310,907	$	10.02	$	11.35		2.90	%		6.51	%		8.22	%
2008		148,056		1,452,952		9.34		10.49		3.83	%		(6.97	%)		(5.47	%)
2007		137,060		1,440,945		10.29		11.10		4.47	%		2.39	%		4.05	%
2006		174,531		1,785,296		10.06		10.66		4.13	%		2.21	%		3.85	%
2005		145,422		1,448,843		9.84		10.27		3.05	%		(0.43	%)		1.17	%
American Funds Growth
2009		79,831	$	816,556	$	7.81	$	11.19		0.10	%		36.12	%		38.31	%
2008		141,837		1,070,747		5.73		8.09		0.62	%		(45.30	%)		(44.41	%)
2007		101,316		1,412,128		10.82		14.55		0.43	%		9.70	%		11.48	%
2006		117,464		1,503,623		10.81		13.05		0.53	%		7.64	%		9.37	%
05/02/2005 - 12/31/2005		83,851		993,328		11.81		11.94		0.72	%		16.32	%		18.57	%
American Funds Growth-Income
2009		140,391	$	1,356,955	$	7.98	$	10.48		1.24	%		28.15	%		30.22	%
2008		138,531		1,046,806		6.19		8.05		1.32	%		(39.31	%)		(38.33	%)
2007		150,512		1,887,291		10.13		13.06		1.37	%		2.57	%		4.24	%
2006		117,185		1,439,657		11.09		12.52		1.49	%		12.51	%		14.32	%
05/02/2005 - 12/31/2005		66,574		723,937		10.84		10.96		1.81	%		7.28	%		8.84	%
Comstock
2009		218,605	$	1,941,593	$	7.42	$	10.23		1.47	%		26.13	%		28.16	%
2008		193,586		1,363,320		5.85		7.98		2.05	%		(38.05	%)		(37.04	%)
2007		211,667		2,415,367		9.38		12.68		1.62	%		(4.94	%)		(3.40	%)
2006		121,309		1,458,457		11.07		13.13		1.77	%		14.04	%		15.87	%
2005		78,368		821,032		10.06		11.33		1.64	%		2.30	%		3.95	%
Diversified Research
2009		42,956	$	415,633	$	7.71	$	10.17		1.41	%		29.78	%		31.87	%
2008		80,959		603,641		5.90		7.71		1.02	%		(40.28	%)		(39.31	%)
2007		106,191		1,335,806		9.81		12.77		0.72	%		(0.82	%)		0.79	%
2006		114,405		1,459,009		10.79		12.82		0.75	%		9.76	%		11.53	%
2005		86,073		995,912		11.13		11.64		0.57	%		3.16	%		4.82	%

See Notes to Financial Statements See explanation of references on page J-21

J-17

SEPARATE ACCOUNT A
FINANCIAL HIGHLIGHTS (Continued)

	At the End of Each Year or Period
	Total Units								Investment
Variable Accounts	Outstanding		Total Net Assets		AUV (1)				Income			Total Return (3)
For Each Year or Period Ended	(in 000’s)		(in $000’s)		Lowest		Highest		Ratio (2)			Lowest			Highest
Equity
2009		7,356	$	84,945	$	7.88	$	12.33		0.93	%		32.55	%		34.69	%
2008		8,382		73,198		5.90		9.25		0.48	%		(42.29	%)		(41.36	%)
2007		10,394		156,811		10.16		15.93		0.21	%		4.15	%		5.84	%
2006		10,959		159,985		9.71		15.20		0.34	%		6.51	%		8.22	%
2005		14,090		191,629		9.15		14.19		0.24	%		4.43	%		5.05	%
Equity Index
2009		240,021	$	2,960,908	$	7.85	$	18.17		2.08	%		23.86	%		25.86	%
2008		110,236		1,145,265		6.30		14.58		2.33	%		(38.59	%)		(37.60	%)
2007		62,460		1,135,208		10.19		23.61		1.71	%		3.13	%		4.81	%
2006		77,542		1,400,200		11.16		22.75		1.76	%		13.24	%		15.06	%
2005		80,050		1,308,175		10.41		19.97		1.75	%		2.60	%		4.25	%
Focused 30
2009		10,266	$	123,805	$	7.28	$	17.59		0.00	%		47.45	%		49.83	%
2008		35,531		291,656		4.94		11.74		0.06	%		(51.13	%)		(50.34	%)
2007		15,077		253,725		12.31		23.64		0.41	%		29.22	%		31.31	%
2006		13,320		170,147		11.17		18.00		0.07	%		21.27	%		23.22	%
2005		11,031		116,449		9.19		14.68		1.03	%		19.66	%		21.58	%
Growth LT
2009		91,175	$	1,257,878	$	8.22	$	21.61		1.07	%		34.57	%		36.74	%
2008		89,969		945,847		6.10		15.96		0.55	%		(42.13	%)		(41.19	%)
2007		72,629		1,397,014		11.07		27.42		0.44	%		13.33	%		15.16	%
2006		73,790		1,316,778		10.10		24.05		0.64	%		7.55	%		9.28	%
2005		58,503		1,027,253		9.27		22.23		0.24	%		5.55	%		7.25	%
Large-Cap Growth (4)
2009		188,272	$	1,200,922	$	5.66	$	8.82		0.07	%		37.72	%		39.94	%
2008		103,892		474,458		4.10		6.39		0.00	%		(51.46	%)		(50.67	%)
2007		98,533		914,344		8.43		13.13		0.00	%		19.21	%		21.14	%
2006		190,175		1,451,113		7.05		10.98		0.23	%		(5.72	%)		(4.20	%)
2005		132,162		1,059,638		7.46		9.02		0.31	%		0.91	%		2.53	%
Large-Cap Value
2009		279,552	$	2,974,680	$	7.84	$	12.24		2.23	%		20.69	%		22.64	%
2008		207,482		1,849,542		6.45		10.08		1.81	%		(36.09	%)		(35.06	%)
2007		191,383		2,720,282		10.03		15.68		1.28	%		1.48	%		3.12	%
2006		158,730		2,260,337		11.01		15.36		1.35	%		15.26	%		17.11	%
2005		131,227		1,624,942		10.80		13.24		1.13	%		4.06	%		5.73	%
Long/Short Large-Cap
2009		168,564	$	1,383,430	$	8.06	$	8.36		0.88	%		25.03	%		27.05	%
05/02/2008 - 12/31/2008		104,216		680,841		6.44		6.58		0.95	%		(35.90	%)		(35.21	%)
Main Street Core
2009		97,764	$	1,080,991	$	7.77	$	14.99		1.40	%		26.79	%		28.84	%
2008		136,027		1,194,518		6.09		11.75		1.39	%		(40.08	%)		(39.11	%)
2007		141,484		2,137,237		10.10		19.50		1.27	%		2.32	%		3.98	%
2006		116,743		1,784,157		10.96		18.94		1.28	%		12.90	%		14.72	%
2005		115,689		1,595,188		9.58		16.68		1.29	%		3.90	%		5.57	%
Mid-Cap Equity (5)
2009		114,079	$	1,678,432	$	7.69	$	18.40		0.94	%		36.89	%		39.10	%
2008		223,293		2,440,178		5.58		13.36		1.62	%		(40.21	%)		(39.24	%)
2007		204,995		3,935,195		9.28		22.21		0.79	%		(4.10	%)		(2.54	%)
2006		168,985		3,542,390		11.30		23.02		0.76	%		12.70	%		14.51	%
2005		127,837		2,386,950		14.96		20.31		0.64	%		6.72	%		8.43	%
Mid-Cap Growth
2009		121,699	$	1,054,843	$	7.56	$	10.81		0.37	%		56.18	%		58.69	%
2008		95,372		524,095		4.83		6.91		0.11	%		(49.39	%)		(48.57	%)
2007		121,631		1,307,108		9.52		13.61		0.46	%		20.47	%		22.42	%
2006		109,244		960,904		7.88		11.27		0.31	%		6.78	%		8.50	%
2005		28,496		231,698		7.36		9.85		0.00	%		15.57	%		17.43	%
Mid-Cap Value (6)
05/01/2009 - 12/31/2009		76,857	$	1,007,008	$	13.06	$	13.20		0.96	%		30.61	%		32.01	%
Small-Cap Equity (7)
2009		52,736	$	657,635	$	9.32	$	13.71		0.73	%		27.64	%		29.70	%
2008		58,025		568,979		7.30		10.57		0.60	%		(27.58	%)		(26.41	%)
2007		29,618		405,731		10.25		14.36		0.28	%		3.93	%		5.61	%
2006		6,512		86,835		11.13		13.60		0.75	%		16.34	%		18.21	%
05/02/2005 - 12/31/2005		5,459		62,324		11.38		11.50		0.84	%		12.09	%		14.27	%

See Notes to Financial Statements See explanation of references on page J-21

J-18

SEPARATE ACCOUNT A
FINANCIAL HIGHLIGHTS (Continued)

	At the End of Each Year or Period
	Total Units								Investment
Variable Accounts	Outstanding		Total Net Assets		AUV (1)				Income			Total Return (3)
For Each Year or Period Ended	(in 000’s)		(in $000’s)		Lowest		Highest		Ratio (2)			Lowest			Highest
Small-Cap Growth (8)
2009		52,672	$	532,109	$	8.47	$	11.08		0.00	%		44.52	%		46.85	%
2008		70,481		492,787		5.82		7.64		0.00	%		(48.16	%)		(47.32	%)
2007		54,546		738,267		11.16		14.69		0.00	%		12.81	%		14.64	%
2006		33,742		403,761		10.91		12.98		0.25	%		2.99	%		4.65	%
2005		41,021		472,902		10.72		12.56		0.29	%		0.63	%		2.25	%
Small-Cap Index
2009		16,143	$	211,428	$	7.65	$	13.69		1.17	%		25.65	%		27.68	%
2008		18,261		190,945		6.05		10.83		1.06	%		(36.32	%)		(35.29	%)
2007		68,229		1,107,860		9.43		16.91		1.53	%		(3.97	%)		(2.41	%)
2006		40,398		697,301		11.37		17.50		1.30	%		15.46	%		17.32	%
2005		62,917		937,336		13.55		15.06		0.51	%		2.32	%		3.96	%
Small-Cap Value
2009		35,478	$	575,609	$	8.65	$	19.70		2.70	%		24.66	%		26.67	%
2008		26,451		355,593		6.94		15.55		2.51	%		(29.65	%)		(28.51	%)
2007		24,163		481,162		9.86		21.76		1.97	%		1.08	%		2.72	%
2006		23,763		481,479		10.99		21.18		2.32	%		17.39	%		19.28	%
2005		24,219		417,233		17.02		17.76		1.11	%		11.41	%		13.20	%
Emerging Markets
2009		55,794	$	1,464,834	$	9.44	$	46.39		0.91	%		81.14	%		84.06	%
2008		57,755		864,882		5.21		25.20		1.58	%		(48.72	%)		(47.89	%)
2007		58,327		1,800,752		13.07		48.37		1.13	%		30.45	%		32.56	%
2006		53,065		1,296,585		12.35		36.49		0.77	%		21.94	%		23.90	%
2005		55,958		1,099,297		16.62		29.77		1.16	%		38.68	%		40.91	%
International Large-Cap
2009		213,871	$	2,289,235	$	8.40	$	15.53		1.62	%		30.97	%		33.08	%
2008		224,083		1,829,644		6.41		11.67		2.21	%		(36.64	%)		(35.61	%)
2007		219,222		2,821,428		10.46		18.13		1.42	%		7.09	%		8.82	%
2006		304,639		3,648,294		10.36		16.66		2.89	%		24.50	%		26.50	%
2005		282,389		2,676,861		8.30		13.17		0.95	%		10.47	%		12.25	%
International Small-Cap
2009		119,004	$	822,912	$	6.69	$	7.74		1.47	%		27.70	%		29.76	%
2008		102,125		550,905		5.21		6.05		2.15	%		(48.88	%)		(48.05	%)
2007		92,643		974,615		10.12		11.80		1.20	%		2.65	%		4.31	%
05/01/2006 - 12/31/2006		69,301		707,446		10.17		11.47		0.23	%		2.14	%		2.14	%
International Value
2009		173,369	$	1,782,323	$	6.63	$	12.11		2.08	%		25.47	%		27.49	%
2008		231,729		1,920,837		5.29		9.59		3.07	%		(48.82	%)		(47.99	%)
2007		201,230		3,360,783		10.31		18.63		2.26	%		4.13	%		5.82	%
2006		138,057		2,275,303		11.34		17.78		1.76	%		23.21	%		25.19	%
2005		114,680		1,541,384		11.66		14.35		1.93	%		7.27	%		8.99	%
Health Sciences
2009		5,318	$	63,408	$	9.49	$	13.99		0.12	%		24.71	%		26.72	%
2008		6,193		59,392		7.61		11.18		1.12	%		(29.59	%)		(28.45	%)
2007		7,692		105,009		10.81		15.82		0.00	%		14.15	%		16.00	%
2006		8,341		99,247		10.92		13.81		0.00	%		5.97	%		7.68	%
2005		10,481		117,786		10.28		12.99		0.00	%		13.01	%		14.82	%
Real Estate
2009		28,624	$	499,801	$	5.84	$	25.01		2.14	%		29.65	%		31.75	%
2008		26,092		371,228		4.47		19.17		3.37	%		(41.18	%)		(40.23	%)
2007		30,703		811,165		7.55		32.40		1.10	%		(17.83	%)		(16.50	%)
2006		27,982		993,041		11.79		39.20		3.14	%		35.34	%		37.51	%
2005		25,484		674,545		21.58		28.79		0.91	%		14.48	%		16.32	%
Technology
2009		10,200	$	61,955	$	4.83	$	9.97		0.00	%		49.55	%		51.96	%
2008		8,023		31,854		3.22		6.65		0.11	%		(52.60	%)		(51.83	%)
2007		11,998		101,264		6.78		14.00		0.05	%		20.59	%		22.54	%
2006		11,188		75,633		5.61		11.58		0.00	%		7.18	%		8.91	%
2005		15,129		96,613		5.22		8.84		0.00	%		19.31	%		21.23	%
American Funds Asset Allocation (6)
02/02/2009 - 12/31/2009		10,338	$	132,408	$	12.75	$	12.93		3.49	%		26.55	%		28.17	%
Multi-Strategy
2009		7,781	$	92,764	$	6.69	$	13.35		5.60	%		20.56	%		22.51	%
2008		9,618		94,977		5.51		11.01		0.15	%		(46.07	%)		(45.20	%)
2007		12,855		234,630		10.15		20.29		2.62	%		2.27	%		3.92	%
2006		15,749		281,202		11.07		19.72		2.40	%		9.48	%		11.24	%
2005		20,084		325,873		11.61		17.90		2.09	%		1.73	%		3.36	%

See Notes to Financial Statements See explanation of references on page J-21

J-19

SEPARATE ACCOUNT A
FINANCIAL HIGHLIGHTS (Continued)

	At the End of Each Year or Period
	Total Units								Investment
Variable Accounts	Outstanding		Total Net Assets		AUV (1)				Income			Total Return (3)
For Each Year or Period Ended	(in 000’s)		(in $000’s)		Lowest		Highest		Ratio (2)			Lowest			Highest
Pacific Dynamix — Conservative Growth (6)
05/04/2009 - 12/31/2009		2,645	$	29,940	$	11.27	$	11.39		3.24	%		11.40	%		11.67	%
Pacific Dynamix — Moderate Growth (6)
05/04/2009 - 12/31/2009		4,804	$	56,891	$	11.80	$	11.93		2.66	%		15.15	%		16.14	%
Pacific Dynamix — Growth (6)
05/04/2009 - 12/31/2009		3,340	$	41,130	$	12.27	$	12.40		1.73	%		19.36	%		19.36	%
AIM V.I. PowerShares ETF Allocation Series II (6)
02/02/2009 - 12/31/2009		2,533	$	33,764	$	13.27	$	13.47		2.76	%		32.84	%		33.47	%
AllianceBernstein VPS Balanced Wealth Strategy Class B
2009		12,781	$	110,612	$	8.57	$	8.82		0.89	%		21.99	%		23.95	%
05/01/2008 - 12/31/2008		7,532		53,168		7.02		7.12		2.60	%		(29.31	%)		(29.31	%)
BlackRock Global Allocation V.I. Class III
2009		162,804	$	1,530,694	$	9.30	$	9.58		2.17	%		18.52	%		20.43	%
05/01/2008 - 12/31/2008		100,003		789,375		7.84		7.96		6.64	%		(21.26	%)		(20.97	%)
Franklin Templeton VIP Founding Funds Allocation Class 4
2009		25,921	$	218,966	$	8.36	$	8.61		3.01	%		27.49	%		29.55	%
05/01/2008 - 12/31/2008		16,549		109,093		6.55		6.65		7.92	%		(34.08	%)		(33.97	%)
GE Investments Total Return Class 3 (6)
02/02/2009 - 12/31/2009		4,816	$	60,232	$	12.44	$	12.62		3.44	%		23.94	%		25.40	%
Van Kampen LIT Global Tactical Asset Allocation Class II (6)
02/06/2009 - 12/31/2009		6,740	$	84,876	$	12.54	$	12.73		4.34	%		22.42	%		25.00	%
Jennison
2009		38	$	401	$	10.53	$	10.84		0.28	%		40.11	%		40.60	%
2008		42		320		7.52		7.71		0.07	%		(38.64	%)		(38.43	%)
2007		46		568		12.25		12.52		0.00	%		9.61	%		10.00	%
2006		49		554		11.18		11.39		0.00	%		(0.39	%)		(0.04	%)
2005		52		586		11.22		11.39		0.00	%		12.05	%		12.44	%
Value
2009		31	$	374	$	11.94	$	12.29		1.59	%		38.94	%		39.42	%
2008		38		334		8.59		8.82		1.46	%		(43.56	%)		(43.36	%)
2007		50		771		15.22		15.56		0.99	%		1.03	%		1.39	%
2006		52		794		15.07		15.35		0.97	%		17.37	%		17.78	%
2005		63		819		12.84		13.03		0.83	%		14.21	%		14.60	%
SP International Growth (9)
2009		30	$	363	$	12.18	$	12.54		1.30	%		34.07	%		34.54	%
2008		32		290		9.09		9.32		1.37	%		(51.35	%)		(51.18	%)
2007		37		704		18.68		19.10		0.37	%		17.05	%		17.46	%
2006		39		619		15.96		16.26		1.60	%		18.33	%		18.75	%
2005		47		642		13.49		13.69		0.25	%		13.79	%		14.19	%
SP Prudential U.S. Emerging Growth
2009		18	$	264	$	14.45	$	14.88		0.27	%		38.69	%		39.18	%
2008		19		197		10.42		10.69		0.00	%		(37.35	%)		(37.13	%)
2007		21		357		16.63		17.01		0.00	%		14.31	%		14.72	%
2006		21		314		14.55		14.82		0.00	%		7.21	%		7.58	%
2005		22		298		13.57		13.78		0.00	%		15.44	%		15.85	%
JPMorgan Insurance Trust Core Bond (10)
2009		91	$	1,111	$	12.09	$	12.22		8.15	%		7.91	%		8.12	%
2008		86		970		11.20		11.30		5.64	%		(0.22	%)		(0.02	%)
2007		103		1,164		11.23		11.31		14.08	%		4.61	%		4.82	%
2006		5,228		56,363		10.73		10.79		6.69	%		2.49	%		2.69	%
2005		12,119		127,276		10.50		10.50		2.65	%		0.97	%		0.97	%
JPMorgan Insurance Trust Equity Index (10)
2009		30	$	301	$	9.88	$	9.99		2.22	%		24.43	%		24.68	%
2008		29		236		7.94		8.02		2.18	%		(38.20	%)		(38.08	%)
2007		35		452		12.85		12.95		1.48	%		3.63	%		3.63	%
2006		40		498		12.43		12.49		1.32	%		13.82	%		13.82	%
2005		40		444		10.98		10.98		1.39	%		3.01	%		3.01	%
JPMorgan Insurance Trust U.S. Equity (11)
2009		4,475	$	50,309	$	11.13	$	11.26		3.43	%		31.56	%		31.82	%
2008		6,739		57,486		8.46		8.54		1.55	%		(35.84	%)		(35.71	%)
2007		12,245		162,510		13.19		13.28	See Note (12)				8.91	%		8.91	%
2006		10		124		12.13		12.20		0.96	%		14.54	%		14.54	%
2005		16		169		10.65		10.65		1.00	%		0.91	%		0.91	%

See Notes to Financial Statements See explanation of references on page J-21

J-20

SEPARATE ACCOUNT A
FINANCIAL HIGHLIGHTS (Continued)

	At the End of Each Year or Period
	Total Units								Investment
Variable Accounts	Outstanding		Total Net Assets		AUV (1)				Income			Total Return (3)
For Each Year or Period Ended	(in 000’s)		(in $000’s)		Lowest		Highest		Ratio (2)			Lowest			Highest
JPMorgan Insurance Trust Mid Cap Value (11)
2009		15	$	165	$	10.84	$	10.96		2.25	%		25.87	%		26.12	%
2008		17		145		8.61		8.69		1.47	%		(36.51	%)		(36.38	%)
2007		19		265		13.57		13.66		1.79	%		(0.69	%)		(0.49	%)
2006		24		327		13.66		13.73		2.33	%		14.87	%		15.10	%
2005		8,127		96,939		11.89		11.93		0.25	%		8.23	%		8.23	%
JPMorgan Insurance Trust Intrepid Growth (13)
2009		13	$	128	$	9.70	$	9.81		0.72	%		32.19	%		32.45	%
2008		15		111		7.34		7.41		0.87	%		(40.19	%)		(40.07	%)
2007		14		174		12.27		12.36		0.49	%		9.77	%		9.99	%
2006		9,029		101,406		11.18		11.24		0.07	%		3.71	%		3.91	%
2005		6,941		75,038		10.78		10.81		0.48	%		3.60	%		3.60	%
JPMorgan Insurance Trust Diversified Mid Cap Growth (10)
2009		9	$	104	$	11.46	$	11.59		0.00	%		40.77	%		41.05	%
2008		11		88		8.14		8.22		0.00	%		(44.68	%)		(44.57	%)
2007		13		194		14.72		14.83		0.00	%		15.37	%		15.60	%
2006		16		202		12.76		12.83		0.00	%		9.84	%		9.84	%
2005		19		220		11.68		11.68		0.00	%		9.55	%		9.55	%

(1)	The AUV is presented as a range from lowest to highest based on the ending AUV for all product groupings as of December 31 of each year. The lowest and highest AUV may be the same for a variable account if there is only one product which has investments at the end of the year.
(2)	The investment income ratios represent the dividends, excluding distributions of capital gains, received by the variable accounts from the underlying portfolios/funds, divided by the average daily net assets. These ratios are before the deduction of mortality and expense risk (“M&E”) fees, administrative fees, and additional death benefit rider charges, if any, that are assessed against contract owner accounts. The recognition of investment income by the variable accounts is affected by the timing of the declaration of dividends by the underlying portfolios/funds in which the variable accounts invest. The ratios for periods of less than one full year are annualized.
(3)	Total returns reflect changes in unit values of the underlying portfolios/funds and deductions for M&E fees, administrative fees, and additional death benefit rider charges, if any, assessed through the daily AUV calculation. These fees and charges are assessed at annual rates ranging from 0.40% to 2.00% based on the average daily net assets of each variable account as discussed in Note 3 in Notes to the Financial Statements. Total returns do not include deductions at the separate account or contract level for any premium loads, maintenance fees, premium tax charges, withdrawal and surrender charges, charges for other optional benefit riders, or other charges that may be incurred under a contract which, if incurred, would have resulted in lower returns. Total returns are presented as a range of lowest to highest values based on the product grouping representing the minimum to maximum expense ratio amounts. Total returns for those individual contracts which commenced operations during the year may not be within the ranges presented. Total returns are not annualized for periods of less than one full year.
(4)	Prior to January 1, 2006, Large-Cap Growth Variable Account was named Blue Chip Variable Account.
(5)	Prior to May 1, 2008, Mid-Cap Equity Variable Account was named Mid-Cap Value Variable Account.
(6)	Operations commenced during 2009 (See Note 1 in Notes to Financial Statements).
(7)	Prior to May 1, 2007, Small-Cap Equity Variable Account was named VN Small-Cap Value Variable Account.
(8)	Prior to May 1, 2007, Small-Cap Growth Variable Account was named Fasciano Small Equity Variable Account, and prior to May 1, 2005, it was named Aggressive Equity Variable Account.
(9)	Prior to May 1, 2007, SP International Growth Variable Account was named SP William Blair International Growth Variable Account.
(10)	Prior to May 1, 2006, JPMorgan Insurance Trust Core Bond, JPMorgan Insurance Trust Equity Index, and JPMorgan Insurance Trust Diversified Mid Cap Growth Variable Accounts were named JPMorgan Investment Trust Bond, JPMorgan Investment Trust Equity Index, and JPMorgan Investment Trust Mid Cap Growth Variable Accounts, respectively.
(11)	Prior to April 25, 2009, JPMorgan Insurance Trust U.S. Equity and JPMorgan Insurance Trust Mid Cap Value Variable Accounts were named JPMorgan Insurance Trust Diversified Equity and JPMorgan Insurance Trust Diversified Mid Cap Value Variable Accounts, respectively, and prior to May 1, 2006, they were named JPMorgan Investment Trust Diversified Equity and JPMorgan Investment Trust Mid Cap Value Variable Accounts, respectively.
(12)	Amount represents less than 0.005%.
(13)	Prior to November 1, 2006, JPMorgan Insurance Trust Intrepid Growth Variable Account was named JPMorgan Insurance Trust Large Cap Growth Variable Account, and prior to May 1, 2006, it was named JPMorgan Investment Trust Large Cap Growth Variable Account.

See Notes to Financial Statements

J-21

SEPARATE ACCOUNT A

NOTES TO FINANCIAL STATEMENTS

1. ORGANIZATION

     The Separate Account A (the “Separate Account”) is registered as a unit investment trust under the Investment Company Act of 1940, as amended, and as of December 31, 2009 is comprised of fifty-four subaccounts called Variable Accounts. The assets in each of the Variable Accounts invest in the corresponding portfolios or funds (each, a “Portfolio” and collectively, the “Portfolios”) of Pacific Select Fund, an affiliated mutual fund (see Note 3), AIM Variable Insurance Funds, AllianceBernstein Variable Products Series Fund, Inc., BlackRock Variable Series Funds, Inc., Franklin Templeton Variable Insurance Products Trust, GE Investments Funds, Inc., Van Kampen Life Investment Trust, Prudential Series Fund, Inc., and JPMorgan Insurance Trust (collectively, the “Funds”). All fifty-four Variable Accounts are presented in the Schedule of Investments in Section I of this brochure.

     The Separate Account organized and registered with the Securities and Exchange Commission (“SEC”) the following eight new Variable Accounts, all of which commenced operations during 2009:

	Commenced		Commenced
Variable Accounts	Operations on	Variable Accounts	Operations on
Mid-Cap Value	May 1, 2009	Pacific Dynamix — Growth	May 4, 2009
American Funds Asset Allocation	February 2, 2009	AIM V.I. PowerShares ETF Allocation Series II	February 2, 2009
Pacific Dynamix — Conservative Growth	May 4, 2009	GE Investments Total Return Class 3*	February 2, 2009
Pacific Dynamix — Moderate Growth	May 4, 2009	Van Kampen LIT Global Tactical Asset Allocation Class II	February 6, 2009

* All the investments in GE Investments Total Return Class 4 were converted to GE Investments Total Return Class 3 on November 20, 2009.

     Each Portfolio pursues different investment objectives and policies. The financial statements of the Funds, including the schedules of investments, are either included in Sections A through H of this brochure or provided separately and should be read in conjunction with the Separate Account’s financial statements.

     The Separate Account was established by Pacific Life Insurance Company (“Pacific Life”) on September 7, 1994 and commenced operations on January 2, 1996. Under applicable insurance law, the assets and liabilities of the Separate Account are clearly identified and distinguished from the other assets and liabilities of Pacific Life. The assets of the Separate Account will not be charged with any liabilities arising out of any other business conducted by Pacific Life, but the obligations of the Separate Account, including benefits related to variable annuity contracts, are obligations of Pacific Life.

     The Separate Account funds individual flexible premium variable accumulation deferred annuity contracts (the “Contracts”). The assets of the Separate Account are carried at market value.

2. SIGNIFICANT ACCOUNTING POLICIES

     The financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) for investment companies which require management to make certain estimates and assumptions at the date of the financial statements. Actual results could differ from those estimates.

     The Separate Account implemented the Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) as the single source of authoritative accounting guidance under the Generally Accepted Accounting Principles Topic. The ASC does not create new accounting and reporting guidance, rather it reorganizes U.S. GAAP pronouncements into approximately 90 topics within a consistent structure. All guidance contained in the ASC carries an equal level of authority. The ASC changed how the Separate Account references U.S. GAAP in its notes to financial statements.

     In addition, the Separate Account implemented new guidance under ASC Topic 855, Subsequent Events (See disclosure in Note 8 for details).

     A. Valuation of Investments

     Investments in shares of the Funds are valued at the reported net asset values of the respective Portfolios. Valuation of securities held by the Funds is discussed in the notes to their financial statements.

     B. Security Transactions and Investment Income

     Transactions are recorded on the trade date. Realized gains and losses on sales of investments are determined on the basis of identified cost. Dividend income is recorded on the ex-dividend date and the amounts distributed to the Separate Account for its share of dividends are reinvested in additional full and fractional shares of the related Portfolios.

     C. Federal Income Taxes

     The operations of the Separate Account will be reported on the Federal income tax return of Pacific Life, which is taxed as a life insurance company under the provisions of the Internal Revenue Code. Under current tax law, no Federal income taxes are expected to be paid by Pacific Life with respect to the operations of the Separate Account. Pacific Life will periodically review the status of this policy in the event of changes in the tax law. A charge may be made in future years for any Federal income taxes that would be attributable to the Contracts.

     D. Contracts in Payout Period

     Net assets allocated to Contracts in payout period are computed, on a current basis, according to the Annuity 2000 Mortality Table. The assumed investment return is 5.0 percent unless the annuitant elects otherwise, in which case the rate may vary from 3.5 percent to 7.0 percent, as regulated by the laws of the respective states. The mortality risk is fully borne by Pacific Life and may result in additional amounts being transferred into the Variable Accounts by Pacific Life to cover greater longevity of annuitants than expected. Conversely, if amounts allocated exceed the amounts required, transfers may be made to Pacific Life.

K-1

SEPARATE ACCOUNT A
NOTES TO FINANCIAL STATEMENTS (Continued)

3. CHARGES AND EXPENSES AND RELATED PARTY TRANSACTIONS

      Contracts funded by the Separate Account currently being sold or administered include the Pacific One, Pacific Portfolios, Pacific Value, Pacific Innovations, Pacific Innovations Select, Pacific One Select, Pacific Odyssey, Pacific Voyages, Pacific Journey, and Pacific Value Edge. Pacific Value, Pacific Innovations, Pacific Innovations Select, Pacific One Select (issued prior to August 1, 2006), and Pacific Odyssey Contracts have three different death benefit options: the Standard Death Benefit Rider, the Stepped-Up Death Benefit Rider, and for Contracts issued before May 1, 2003, the Premier Death Benefit Rider. Pacific One, Pacific Portfolios, Pacific One Select (issued on or after August 1, 2006), Pacific Voyages, Pacific Journey, and Pacific Value Edge Contracts have two different death benefit options: the Standard Death Benefit Rider and the Stepped-Up Death Benefit Rider.

     Pacific Life deducts from the Separate Account daily charges for mortality and expense risks (“M&E”) and administrative expenses Pacific Life assumes, and additional death benefit riders charges for Contract owners who purchased the Stepped-Up Death Benefit Rider or the Premier Death Benefit Rider. The mortality risk assumed by Pacific Life is the risk that the annuitant will live longer than predicted and will receive more annuity payments than anticipated. Pacific Life also assumes mortality risk in connection with any death benefit paid under the Contracts. The expense risk assumed is where expenses incurred in administering the Contracts and the Separate Account will exceed the amounts realized from fees and charges assessed against the Contracts. These charges are assessed daily at the following annual rates on the average daily net assets of each Variable Account that result in a direct reduction to unit values:

	Death Benefit Options
				With			With
	Standard			Stepped-Up			Premier
Pacific One and Pacific	Death			Death			Death
Portfolios Contracts	Benefit			Benefit Rider			Benefit Rider
M&E Charge		1.25	%		1.25	%
Administrative Fee		0.15	%		0.15	%
Death Benefit Rider Charge	None				0.20	%
Total Annual Expenses		1.40	%		1.60	%
Pacific Value and Pacific Innovations Contracts
M&E Charge		1.25	%		1.25	%		1.25	%
Administrative Fee		0.15	%		0.15	%		0.15	%
Death Benefit Rider Charge	None				0.20	%		0.35	%
Total Annual Expenses		1.40	%		1.60	%		1.75	%
Pacific Odyssey Contracts
M&E Charge		0.15	%		0.15	%		0.15	%
Administrative Fee		0.25	%		0.25	%		0.25	%
Death Benefit Rider Charge	None				0.20	%		0.35	%
Total Annual Expenses		0.40	%		0.60	%		0.75	%
Pacific Voyages Contracts
M&E Charge		1.00	%		1.00	%
Administrative Fee		0.15	%		0.15	%
Death Benefit Rider Charge	None				0.20	%
Total Annual Expenses		1.15	%		1.35	%

Pacific One Select (issued
prior to 8/1/2006) and
Pacific Innovations Select
Contracts
M&E Charge		1.40	%	1.40	%	1.40	%
Administrative Fee		0.25	%	0.25	%	0.25	%
Death Benefit Rider Charge	None			0.20	%	0.35	%
Total Annual Expenses		1.65	%	1.85	%	2.00	%
Pacific One Select (issued on or after 8/1/2006) and Pacific Value Edge Contracts
M&E Charge		1.50	%	1.50	%
Administrative Fee		0.25	%	0.25	%
Death Benefit Rider Charge	None			0.20	%
Total Annual Expenses		1.75	%	1.95	%
Pacific Journey Contracts
M&E Charge		0.90	%	0.90	%
Administrative Fee		0.15	%	0.15	%
Death Benefit Rider Charge	None			0.20	%
Total Annual Expenses		1.05	%	1.25	%

     Under the Contracts, Pacific Life also makes certain deductions from the net assets of each Variable Account for maintenance fees, any other optional benefit riders, any state premium taxes, and any withdrawal and surrender charges. For some Contracts, a surrender charge is imposed if the Contract is partially or fully surrendered within the specified surrender charge period and charges will vary depending on the individual Contract. Most Contracts offer optional benefits that can be added to the contract by rider. The charges for riders can range depending on the individual contact. These fees are assessed directly to each Contract owner account through a redemption of units and are recorded as contract maintenance charges in the accompanying Statements of Changes in Net Assets. The operating expenses of the Separate Account are paid by Pacific Life.

     In addition to the Separate Account’s own net operating expenses, they also indirectly bear a portion of the net operating expenses of the applicable Portfolios in which the Variable Accounts invest.

     The assets of certain Variable Accounts invest in shares of the corresponding Portfolios of Pacific Select Fund (“PSF”), an affiliated mutual fund. Each Portfolio of PSF pays advisory fees to Pacific Life Fund Advisors, LLC (“PLFA”), a wholly-owned subsidiary of Pacific Life, pursuant to PSF’s Investment Advisory Agreement and pays service fees to Pacific Select Distributors, Inc. (“PSD”), also a wholly-owned subsidiary of Pacific Life, for providing shareholder servicing activities under PSF’s Service

K-2

SEPARATE ACCOUNT A
NOTES TO FINANCIAL STATEMENTS (Continued)

Plan. Each Portfolio of PSF also compensates Pacific Life and PLFA on an approximate cost basis pursuant to PSF’s Agreement for Support Services for providing services to PSF that are outside the scope of the Investment Adviser’s responsibilities under the Investment Advisory Agreement. The advisory fee and service fee rates are disclosed in Note 3 in Notes to Financial Statements of PSF, which are included in Section F of this brochure. For the year ended December 31, 2009, PLFA received advisory fees from PSF at effective annual rates ranging from 0.05% to 0.90% which are based on an annual percentage of average daily net assets of each Portfolio of PSF and PSD received a service fee of 0.20% from PSF based on an annual percentage of average daily net assets of each Portfolio of PSF.

4. RELATED PARTY AGREEMENT

     PSD serves as principal underwriter of the Contracts funded by interests in the Separate Account, without remuneration from the Separate Account.

5. PURCHASES AND SALES OF INVESTMENTS

     The cost of purchases and proceeds from sales of investments for the year or periods ended December 31, 2009, were as follows (amounts in thousands):

Variable Accounts	Purchases		Sales
Diversified Bond	$	266,555	$	256,858
Floating Rate Loan		206,218		56,828
High Yield Bond		335,506		103,448
Inflation Managed		517,089		636,468
Managed Bond		754,575		564,718
Money Market		325,031		755,240
Short Duration Bond		226,910		436,117
American Funds Growth		247,086		591,449
American Funds Growth-Income		220,419		95,992
Comstock		273,802		121,537
Diversified Research		30,734		318,938
Equity		6,689		17,478
Equity Index		1,371,287		164,567
Focused 30		51,476		288,190
Growth LT		87,583		110,937
Large-Cap Growth		467,175		70,970
Large-Cap Value		746,554		164,186
Long/Short Large-Cap		467,157		62,235
Main Street Core		74,097		433,596
Mid-Cap Equity		112,731		1,398,636
Mid-Cap Growth		253,070		98,944
Mid-Cap Value (1)		884,722		47,745
Small-Cap Equity		40,424		100,936
Small-Cap Growth		37,437		184,012
Small-Cap Index		34,157		45,697
Small-Cap Value		169,815		62,254
Emerging Markets		280,263		193,172
International Large-Cap		111,294		213,148
International Small-Cap		147,842		69,038
International Value		166,641		663,793
Health Sciences		16,043		25,382
Real Estate		62,709		53,326
Technology		30,781		19,783
American Funds Asset Allocation (1)		141,790		24,567
Multi-Strategy		7,552		22,769
Pacific Dynamix — Conservative Growth (1)		32,187		3,268
Pacific Dynamix — Moderate Growth (1)		55,756		2,357
Pacific Dynamix — Growth (1)		44,377		6,635
AIM V.I. PowerShares ETF Allocation Series II (1)		34,476		3,283
AllianceBernstein VPS Balanced Wealth Strategy Class B		49,650		12,351
BlackRock Global Allocation V.I. Class III		610,609		98,056
Franklin Templeton VIP Founding Funds Allocation Class 4		98,934		33,560
GE Investments Total Return Class 3 (1)		107,121		51,400
Van Kampen LIT Global Tactical Asset Allocation Class II (1)		86,521		5,512
Jennison		2		48
Value		12		96
SP International Growth		10		41
SP Prudential U.S. Emerging Growth		1		14
JPMorgan Insurance Trust Core Bond		271		142
JPMorgan Insurance Trust Equity Index		69		52
JPMorgan Insurance Trust U.S. Equity		1,794		20,468
JPMorgan Insurance Trust Mid Cap Value		3		16
JPMorgan Insurance Trust Intrepid Growth		10		24
JPMorgan Insurance Trust Diversified Mid Cap Growth		—		19

(1) Operations commenced during 2009 (See Note 1 in Notes to Financial Statements).

6. FAIR VALUE MEASUREMENTS

     Under ASC Topic 820, Fair Value Measurements and Disclosures (“ASC 820”), the Separate Account is required to characterize its holdings as Level 1, Level 2 or Level 3 based upon the various inputs or methodologies used to value the holdings. The three-tier hierarchy of inputs is summarized in the three broad levels listed below:

     Level 1 — Quoted prices in active markets for identical holdings

     Level 2 — Significant observable market-based inputs, other than Level 1 quoted prices, or unobservable inputs that are corroborated by market data

     Level 3 — Significant unobservable inputs that are not corroborated by observable market data

     The inputs or methodologies used for valuing the Separate Account’s holdings are not necessarily an indication of risks associated with investing in those holdings. As of December 31, 2009, all of the Separate Account’s holdings as presented in the Schedule of Investments in Section I of this brochure were characterized as Level 1 as defined in ASC 820.

K-3

SEPARATE ACCOUNT A
NOTES TO FINANCIAL STATEMENTS (Continued)

7. CHANGES IN UNITS OUTSTANDING

     The changes in units outstanding for the years or periods ended December 31, 2009 and 2008 were as follows (amounts in thousands):

	2009								2008
	Units		Units			Net Increase			Units		Units			Net Increase
Variable Accounts	Issued		Redeemed			(Decrease)			Issued		Redeemed			(Decrease)
Diversified Bond		56,363		(59,705	)		(3,342	)		71,829		(69,031	)		2,798
Floating Rate Loan		42,279		(25,677	)		16,602			40,445		(24,213	)		16,232
High Yield Bond		34,706		(18,405	)		16,301			22,393		(17,325	)		5,068
Inflation Managed		54,974		(74,688	)		(19,714	)		83,837		(92,880	)		(9,043	)
Managed Bond		64,155		(75,571	)		(11,416	)		84,207		(87,035	)		(2,828	)
Money Market		55,848		(90,808	)		(34,960	)		141,510		(108,508	)		33,002
Short Duration Bond		42,377		(65,457	)		(23,080	)		61,613		(50,617	)		10,996
American Funds Growth		23,298		(85,304	)		(62,006	)		71,203		(30,682	)		40,521
American Funds Growth-Income		27,974		(26,114	)		1,860			39,704		(51,685	)		(11,981	)
Comstock		60,725		(35,706	)		25,019			59,477		(77,558	)		(18,081	)
Diversified Research		10,637		(48,640	)		(38,003	)		22,874		(48,106	)		(25,232	)
Equity		1,119		(2,145	)		(1,026	)		1,141		(3,153	)		(2,012	)
Equity Index		160,363		(30,578	)		129,785			69,108		(21,332	)		47,776
Focused 30		8,808		(34,073	)		(25,265	)		35,120		(14,666	)		20,454
Growth LT		19,025		(17,819	)		1,206			39,091		(21,751	)		17,340
Large-Cap Growth		112,508		(28,128	)		84,380			35,347		(29,988	)		5,359
Large-Cap Value		109,567		(37,497	)		72,070			54,759		(38,660	)		16,099
Long/Short Large-Cap (1)		85,000		(20,652	)		64,348			116,647		(12,431	)		104,216
Main Street Core		20,697		(58,960	)		(38,263	)		45,642		(51,099	)		(5,457	)
Mid-Cap Equity		30,066		(139,280	)		(109,214	)		73,937		(55,639	)		18,298
Mid-Cap Growth		54,217		(27,890	)		26,327			33,650		(59,909	)		(26,259	)
Mid-Cap Value (2)		84,938		(8,081	)		76,857
Small-Cap Equity		9,838		(15,127	)		(5,289	)		41,964		(13,557	)		28,407
Small-Cap Growth		12,769		(30,578	)		(17,809	)		34,308		(18,373	)		15,935
Small-Cap Index		3,362		(5,480	)		(2,118	)		9,938		(59,906	)		(49,968	)
Small-Cap Value		16,947		(7,920	)		9,027			20,600		(18,312	)		2,288
Emerging Markets		16,345		(18,306	)		(1,961	)		20,504		(21,076	)		(572	)
International Large-Cap		39,530		(49,742	)		(10,212	)		86,369		(81,508	)		4,861
International Small-Cap		40,618		(23,739	)		16,879			37,656		(28,174	)		9,482
International Value		43,799		(102,159	)		(58,360	)		78,748		(48,249	)		30,499
Health Sciences		2,280		(3,155	)		(875	)		3,750		(5,249	)		(1,499	)
Real Estate		10,748		(8,216	)		2,532			11,382		(15,993	)		(4,611	)
Technology		7,482		(5,305	)		2,177			5,351		(9,326	)		(3,975	)
American Funds Asset Allocation (2)		12,958		(2,620	)		10,338
Multi-Strategy		645		(2,482	)		(1,837	)		1,032		(4,269	)		(3,237	)
Pacific Dynamix — Conservative Growth (2)		2,920		(275	)		2,645
Pacific Dynamix — Moderate Growth (2)		5,075		(271	)		4,804
Pacific Dynamix — Growth (2)		3,977		(637	)		3,340
AIM V.I. PowerShares ETF Allocation Series II (2)		2,833		(300	)		2,533
AllianceBernstein VPS Balanced Wealth Strategy Class B (3)		7,569		(2,320	)		5,249			8,345		(813	)		7,532
BlackRock Global Allocation V.I. Class III (3)		91,383		(28,582	)		62,801			116,477		(16,474	)		100,003
Franklin Templeton VIP Founding Funds Allocation Class 4 (3)		15,639		(6,267	)		9,372			18,398		(1,849	)		16,549
GE Investments Total Return Class 3 (2)		9,119		(4,303	)		4,816
Van Kampen LIT Global Tactical Asset Allocation Class II (2)		7,343		(603	)		6,740
Jennison		—		(4	)		(4	)		—		(4	)		(4	)
Value		1		(8	)		(7	)		—		(12	)		(12	)
SP International Growth		1		(3	)		(2	)		—		(5	)		(5	)
SP Prudential U.S. Emerging Growth		—		(1	)		(1	)		—		(2	)		(2	)
JPMorgan Insurance Trust Core Bond		16		(11	)		5			15		(32	)		(17	)
JPMorgan Insurance Trust Equity Index		8		(7	)		1			—		(6	)		(6	)
JPMorgan Insurance Trust U.S. Equity		140		(2,404	)		(2,264	)		471		(5,977	)		(5,506	)
JPMorgan Insurance Trust Mid Cap Value		—		(2	)		(2	)		—		(2	)		(2	)
JPMorgan Insurance Trust Intrepid Growth		1		(3	)		(2	)		4		(3	)		1
JPMorgan Insurance Trust Diversified Mid Cap Growth		—		(2	)		(2	)		2		(4	)		(2	)

(1)	Operations commenced on May 2, 2008.
(2)	Operations commenced during 2009 (See Note 1 in Notes to Financial Statements).
(3)	Operations commenced on May 1, 2008.

8. SUBSEQUENT EVENTS

     Events or transactions occurring subsequent to December 31, 2009 through the date the financial statements were issued on February 26, 2010, have been evaluated by management in the preparation of the financial statements and no items were noted requiring additional disclosure. Management has not evaluated events after that date for presentation in these financial statements.

K-4

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

The Board of Directors
Pacific Life Insurance Company:

     We have audited the accompanying statements of assets and liabilities, including schedule of investments, of Separate Account A (the “Separate Account”) comprised of Diversified Bond, Floating Rate Loan, High Yield Bond, Inflation Managed, Managed Bond, Money Market, Short Duration Bond, American Funds^® Growth, American Funds Growth-Income, Comstock, Diversified Research, Equity, Equity Index, Focused 30, Growth LT, Large-Cap Growth, Large-Cap Value, Long/Short Large-Cap, Main Street^® Core, Mid-Cap Equity, Mid-Cap Growth, Mid-Cap Value, Small-Cap Equity, Small-Cap Growth, Small-Cap Index, Small-Cap Value, Emerging Markets, International Large-Cap, International Small-Cap, International Value, Health Sciences, Real Estate, Technology, American Funds Asset Allocation, Multi-Strategy, Pacific Dynamix — Conservative Growth, Pacific Dynamix — Moderate Growth, Pacific Dynamix — Growth, AIM V.I. PowerShares ETF Allocation Series II, AllianceBernstein VPS Balanced Wealth Strategy Class B, BlackRock Global Allocation V.I. Class III, Franklin Templeton VIP Founding Funds Allocation Class 4, GE Investments Total Return Class 3, Van Kampen LIT Global Tactical Asset Allocation Class II, Jennison, Value, SP International Growth, SP Prudential U.S. Emerging Growth, JPMorgan Insurance Trust Core Bond, JPMorgan Insurance Trust Equity Index, JPMorgan Insurance Trust U.S. Equity (formerly named JPMorgan Insurance Trust Diversified Equity), JPMorgan Insurance Trust Mid Cap Value (formerly named JPMorgan Insurance Trust Diversified Mid Cap Value), JPMorgan Insurance Trust Intrepid Growth, and JPMorgan Insurance Trust Diversified Mid Cap Growth Variable Accounts (collectively, the “Variable Accounts”) as of December 31, 2009, the related statements of operations for the periods presented, the statements of changes in net assets for each of the periods presented, and the financial highlights for each of the periods presented. These financial statements and financial highlights are the responsibility of the Separate Account’s management. Our responsibility is to express an opinion on these financial statements and financial highlights based on our audits.

     We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements and financial highlights are free of material misstatement. The Separate Account is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. Our audits included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Separate Account’s internal control over financial reporting. Accordingly, we express no such opinion. An audit also includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. Our procedures included confirmation of mutual fund investments owned as of December 31, 2009 by correspondence with the transfer agents. We believe that our audits provide a reasonable basis for our opinion.

     In our opinion, such financial statements and financial highlights referred to above present fairly, in all material respects, the financial position of each of the respective Variable Accounts constituting Separate Account A as of December 31, 2009, the results of their operations, the changes in their net assets, and the financial highlights for each of the periods presented, in conformity with accounting principles generally accepted in the United States of America.

DELOITTE & TOUCHE LLP

Costa Mesa, California
February 26, 2010

L-1

Pacific Life Insurance Company

Mailing Address:

P.O. Box 2378

Omaha, Nebraska 68103-2378

Annual Reports

as of December 31, 2009

•  Pacific Select Fund

•  Separate Account A of
Pacific Life Insurance Company

Form No. 2143-10A